1, the Dream Scholarship is actually an exclusive consumption quota provided by CITIC Bank for credit card customers, which is prepared for their large credit card consumption within the total credit line of CITIC Credit Card, and can be used for training, home improvement, car purchase, wedding, travel, etc. When spending, you will use the temporary limit of dream currency first, and then use the fixed limit of credit card. When the credit card transaction amount reaches the set initial installment amount, it will be automatically installment. It should also be noted that the temporary quota of dream-dream-money installment cannot be used for real estate, finance, public hospitals, government services, pre-authorization, gambling and other transactions.
2. If you want to apply for Dream Saving Fund, you must not only hold a credit card of CITIC Bank (it must be a valid main card, blue card, official card, supplementary card and abnormal card), but also use a card in good condition. If there is bad behavior when using the card, the application is likely to be rejected. The number of installments of the dream-fulfilling gold is calculated from the first billing cycle after the installment transaction is recorded. The amortized installment amount recorded in each installment and the amount recorded after the cancellation of installment do not enjoy the minimum repayment amount, and the cardholder needs to repay this part of the arrears in full every month.
3. If the recorded dream final payment transaction is a full refund of consumption (including the return of the original limit consumption within the merchant type where the dream final amount is applicable), CITIC Card Center will automatically cancel the dream final payment installment business; In the case of partial refund of consumption, the dream-fulfilling gold business will not be automatically cancelled, but will still be automatically recorded in installments according to the full amount of the original transaction, and the principal and handling fee will be charged normally. Select cardholders can apply for early termination of the installment repayment plan, but they must repay all the remaining installment amount in one lump sum, and the fees collected will not be refunded, and the first installment fee will be added as the prepayment fee.
4. Dream-fulfilling gold does not enjoy the minimum repayment by credit card, and must be repaid in full. If you don't fully (partially) return the money you dream of with your credit card, the amount will be credited in full and the handling fee will be charged in full according to the order. If it is a selected cardholder (ordinary people can't), you can apply for early repayment to terminate the installment. The already collected handling fee is non-refundable, plus one month.