The "dream-fulfilling gold" business is to provide exclusive temporary installment quota (hereinafter referred to as "dream-fulfilling quota") for the designated main card of selected credit card holders of CITIC Bank (hereinafter referred to as "selected cardholders"), and

The installment repayment business (hereinafter referred to as "the business") will be automatically generated for consumer transactions that meet the conditions specified in these Rules.

I. Business application

1. The dream release line refers to the temporary non-cyclic installment line added under the designated card in addition to the original credit line.

2. The selected cardholders can apply for this service through CITIC Card Center official website, customer service hotline, SMS, WeChat and other ways recognized by CITIC Card Center. According to the credit status of the selected cardholder at the time of application, CITIC Card Center finally judges whether it meets the application conditions.

3. Select cardholders can choose their designated cards and the first installment amount of a single transaction (2000 yuan, 5000 yuan, 10000 yuan, 20000 yuan) in the options set by CITIC Card Center.

Yuan) and the number of periods (optional 3, 6, 12, 24, 36).

Second, the detailed rules for use

1 30 After the successful application for dream-saving business,

It will take effect within days, and any single consumption transaction that is equal to or greater than the set initial installment amount and meets the conditions stipulated in these Detailed Rules (hereinafter referred to as "original transaction", which is limited to RMB, including overseas transactions through UnionPay channel, except for transactions that choose other installment methods when consuming) will be automatically transferred to the installment account according to the installment number set by the cardholder.

2. Pre-authorized transactions are not applicable to dream interpretation, and other consumer transactions that meet the above conditions are preferred to dream interpretation.

3. CITIC Card Center has the right to regularly adjust the approved dream interpretation amount and validity period for the selected cardholders.

4. Yuanmengjin business is not applicable to the transactions of high-risk merchants considered by CITIC Card Center. At the same time, according to the Articles of Association applicable to relevant credit cards, the following "restricted merchant codes" are not applicable to the merchant types with dreams, and CITIC Card Center will adjust the following merchant types from time to time. CITIC Card Center has the right of final interpretation.