There is no interest when using CITIC Dream Financial. Dream Money has no management fee, but it will charge a monthly handling fee of 0.75. If you apply for and use the Dream Money amount of 20,000 yuan that month, the monthly handling fee charged will be 20,000*0.75=150, so no interest is required. China CITIC Bank’s Yuanmengjin is a credit loan product specially designed to meet consumers’ large-amount consumption needs. It allows cardholders to obtain an independent installment limit, which can be used for specific consumption occasions, such as education and training, family For decoration, car purchase, wedding, travel, etc., the amount of Dream Gold is relatively high, up to 300,000 yuan, which can meet the large expenditure needs of consumers.