CITIC Credit Card Dream Payment is a legal credit card installment business. As a legal financial institution, CITIC Bank's credit card products and services have been approved by the regulatory authorities, in line with relevant laws and policies. CITIC Yuan Mengjin is a service that can be automatically divided into stages according to the credit status and card usage of cardholders. According to different credit status, the requirements for division will be different. In addition, CITIC Dream Gold is also a bank wealth management product that has been approved by the China Banking Regulatory Commission and has gone through relevant filing procedures. Therefore, CITIC's Dream Credit Card is legal and meets the requirements of relevant national laws and policies.