First, the dream of CITIC Bank comes from consumer loans, which are a kind of loans. However, the dream money is not reflected in the credit information as a loan. But share a credit line with a credit card. Dream money is also called "card loan", commonly known as credit card loan. Because of this loan, you must have a credit card to apply. If you don't have a credit card, you can't apply for a dream grant directly. Therefore, dream money is also called credit card loan. The number of dreams has nothing to do with the credit card limit. This fund does not occupy your credit card limit, and it is repaid in installments. Then as we all know, the credit card limit can be recycled. However, the amount of the dream grant can no longer be used after it is returned. Therefore, in many ways, the dream money is a loan, not a credit card.
Second, many people will regard dream money as a credit card because it comes from a credit card. Because the money of the dream come true is directly transferred to the credit card. If you want to use this fund, you must use it by credit card. And the repayment needs to be returned to an independent electronic account. This electronic account is not a credit card or a savings card. It should be a quasi-credit card to be exact. Similar to other consumer loans, a card used for repayment. This electronic account has no physical card and will be automatically cancelled after it is paid off.
Then, from the credit information, the credit line of dream-dream gold is superimposed on the credit card line. For example, your credit card limit is 10000, and your dream-fulfilling limit is 10000. Then, after using the Dream Realization Fund, your 10000 credit card credit line will become 1 10000. Therefore, the money in the dream will not be displayed independently on the credit report. But the bank will send you an electronic account, which will be shown as a credit card on the credit report. The credit line is the dream amount. Therefore, from the perspective of credit information, the dream money is embodied in a credit card.
Third, the dream grant of CITIC Bank is a kind of loan. It doesn't have the functions of credit card's revolving limit and integral consumption. However, from the perspective of credit reporting, dream money is in the form of credit card and will not appear in the loan column. Therefore, in a sense, dream money is also a credit card.