CITIC Bank's credit card product "Yuanmengjin" provides cardholders with a convenient consumption installment service. When the cardholder makes a single purchase at a designated merchant and the amount reaches a specific starting installment amount, the purchase will automatically be divided into installment repayments. This service is mainly for primary cardholders, and applications can be made through official channels such as customer service hotline, mobile card space, official website, WeChat, etc.

The application process includes selecting a credit card account, installment amount and number of installments, etc. However, it should be noted that cardholders can modify or close it through customer service before consumption, and the final approval is subject to bank approval. There are 6 levels of starting installment amounts, ranging from 500 yuan to 20,000 yuan. The consumption amount must reach the selected starting amount before automatic installments can be made. The number of installments can be selected from 3 to 36, and the product is valid within 30 days after successful application.

The "Dream Realization Gold" installment will occupy the credit limit, and the special temporary installment quota cannot be recycled. This service is limited to RMB consumption through UnionPay channels, and excludes certain types of consumption such as pre-authorized transactions. The bank will confirm the product details via phone calls, text messages, etc., and the installment amount and number of installments cannot be changed. Account status changes such as account cancellation, freezing, etc. may affect use. If a full return occurs, the installment will be automatically canceled, but a partial return will not cancel the installment.

Mobile payments such as Samsung Pay cannot use "Dream Gold" installment. The above information is referenced from the official information of China CITIC Bank Credit Card Center.