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The CITIC Bank app shows that I don’t have the Dream Fund, can I still apply?

Yes.

The Yuanmengjin business is an exclusive consumption limit provided to holders of China CITIC Bank’s high-quality credit cards. After applying for Yuanmengjin, transactions that meet the Yuanmengjin consumption conditions will automatically generate installment payments, ensuring that CITIC Bank holds Get a credit card and understand the credit card level and credit limit. As long as you meet the application conditions of China CITIC Bank, you can get the dream credit limit.