The credit card temporary installment quota of CITIC Bank has a wide range of daily credit card consumption. In addition to real estate, finance, public hospitals, government services, pre-authorization, gambling and other transactions, this line can be used in principle for merchants in other industries.
Tips: The dream interpretation amount can only be used for consumption, and cannot be withdrawn.
1, credit card
Credit card, also known as credit card. It is a non-cash transaction payment method and a simple credit service.
A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of China (Interpretation of the NPC Standing Committee on Credit Card Terms in the Criminal Law of People's Republic of China (PRC)) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.
There is no need to pay cash for credit card consumption, and the bill will be repaid on the same day.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Reference link: Baidu Encyclopedia _ Credit Card
How to brush out the dream money of CITIC Bank?
There are two common ways to brush out CITIC Dream Gold:
1. Shopping in shopping malls: Unionpay merchants use credit cards for shopping, home decoration, car purchase, travel, wedding, etc. , but does not support restricted consumption in places such as finance, real estate, gambling and hospitals.
2.POS machine: use your own POS machine or find a suitable merchant to brush it out with a POS machine, but this party will incur a handling fee.
1. What is CITIC Dream Gold?
CITIC Yuan Mengjin refers to the large-scale consumption installment products launched by CITIC Bank. The amount is included in the total credit line of CITIC Credit Card, which can be used for large credit card consumption such as home improvement and car purchase.
CITIC Dream Grant is a temporary quota, and the specific quota is automatically updated by the system every month, so it cannot be manually intervened.
After the user opens the Dream of Dreams Fund, the temporary quota of the Dream of Dreams Fund will be used first, and then the permanent credit card quota will be used. After using the dream-realizing fund, a monthly handling fee of 0.75% will be generated every month.
2. Is the interest rate of CITIC Dream Gold high?
CITIC Yuan Mengjin is a temporary credit line provided by CITIC Bank for credit card holders, which can be used in stages.
When credit card holders spend a lot on home improvement, car purchase, training and wedding, they can choose to use dream deposit and enjoy automatic installment.
There is no interest and no management fee for using the dream money, but a handling fee of 0.75% will be charged every month. If RMB 20,000 is applied for and used in the current month, the monthly handling fee is 200,000.75 =150.
3. What if the dream has no voucher?
Dreams have no coupons. If CITIC Bank does not allow users to upload coupons, it doesn't matter if users don't have coupons. However, CITIC Bank allows users to upload consumption vouchers of Dream Money. If the user doesn't, CITIC Bank will let the user settle all the dream money arrears at one time, which will cause great repayment pressure on the user.
Therefore, in the process of using the dream money, users should pay attention to saving the consumption vouchers to prevent CITIC Bank from letting users upload the consumption vouchers without relevant materials.
How to use the credit card dream money of CITIC Bank? Consumer use is limited!
Many card friends want to consult. I don't know how to use CITIC Bank's credit card dream money, which areas can be used safely and which areas are taboo. I will tell you in detail today, and you must collect what you think is useful!
The application conditions of CITIC Bank's credit card dream fund are as simple as that!
Small partners who successfully apply for CITIC Bank's credit card dream-realizing fund must pay attention to: after booking the activation quota (setting the initial installment amount and installment times), it will be valid within 30 days.
During the validity period, the designated type of merchants will spend money by credit card. When the initial installment amount is reached, they will be automatically phased, and the cardholder will pay the corresponding handling fee and enjoy the installment repayment service.
The amount and validity of dream interpretation will change with the cardholder's card use and credit status. If you have special needs, be sure to call customer service in time.
In the process of use, it should be noted that the amount of dream-fulfilling gold is generally limited to the daily consumption installment, and does not involve the investment field:
1, applicable consumption categories are:
1) training (such as MBA, English, dance, preschool education, etc. );
2) home improvement (new house decoration, furniture addition);
3) car purchase (new car, used car);
4) Wedding (wedding photography, ring, banquet);
5) Tourism (domestic and overseas tourism);
6) department stores (jewelry, electrical appliances, luxury goods, brand-name clothing);
7) Other expenses limit consumption.
2. Restricted consumption categories include:
Real estate, finance, public hospitals, government services, gambling and other categories restrict the use of dream money transactions.
20 18 citic credit card free installment? The dream-fulfilling gold will be given to you for nothing 1 year.
Do you know how to use the credit card dream money of CITIC Bank? Remember never to use dream money in restricted merchants, otherwise the bank has the right to terminate the installment service in advance and collect liquidated damages, and more importantly, it will affect personal credit.
So much for the introduction of how to use CITIC Credit Card Dream Gold Card.