Yuanmengjin can be repaid in advance. Yuanmengjin is an installment service provided by China CITIC Bank to high-quality credit card users. If they need to repay in advance, the cardholder needs to call CITIC Bank's credit card customer service hotline at 400-889-5558 to terminate the installment through manual customer service. It should be noted that when repaying Yuan Meng Jin in advance, the cardholder needs to repay the remaining installment amount in one go. The handling fee collected will not be refunded. At the same time, CITIC Bank will also charge an additional handling fee as early repayment. Handling fee.

What does Dream Gold look like?

CITIC Dream Gold is a high-value installment with a fixed interest rate and the installment amount can be set. When a single consumption exceeds the set amount, the installment will be automatically carried out. After the cardholder's application is approved, he or she must swipe the card within the validity period. If the validity period is one month, the cardholder can continue to apply next month. Repay according to the selected installment number, and you can also repay in advance.

It should be noted that:

1. Dream Dream Gold will occupy the credit limit of the cardholder’s credit card during the installment period. The credit limit cannot be used repeatedly and will gradually decrease with the monthly repayment. .

2. The installment amount and validity period of Yuanmengjin will be adjusted as the cardholder’s card usage and credit status change, and are not fixed. My dream bonus is valid for 1 month.

3. Dream Gold cannot be used for real estate, finance, public hospitals, gambling, and pre-authorized consumption.

4. The installment amount and number of installments that have been recorded cannot be changed, and the consumption that has been installment cannot be re-installed. If a purchase is returned, the installment of the purchase will not be cancelled.

The charging standard of Yuanmengjin:

The monthly interest rate of Yuanmengjin is 0.75, no matter how many installments it is divided into, the monthly interest rate remains unchanged

How to repay Yuanmengjin ?

The monthly principal amortization and handling fee will be included in the monthly credit card bill. Cardholders can repay in advance. The handling fee is paid in one go. Early repayment is non-refundable and the handling fee is paid in installments. Yes, in addition to non-refundability of the balance that has been submitted on the statement, 3% of the remaining unpaid principal will also be charged as liquidated damages.

If you don’t use the Yuan Meng Jin, you must cancel it in time. Otherwise, if you spend more than the set starting point with the card in the subsequent period, handling fees will still be automatically incurred in installments. Some cardholders didn't understand the rules, called customer service and had a heated argument, and the handling fee was refunded. This is a relatively lucky situation. When using Yuanmengjin, it is safer to see the rules clearly and follow them. This pit is here, whether you can jump or not depends on your own financial situation.