First, too many times the credit is checked, which leads to the exhaustion of credit; The other is that credit information is spent because of overdue and arrears of interest. You can apply for a dream realization fund if you just spend it on searching for credit information. However, if it is due to overdue reasons, you cannot apply.

Application conditions of dream grant:

1. You must hold a CITIC Bank credit card and use it for more than 6 months;

2. During the use of the card, the consumption and repayment records should be good;

3. Cardholders must have a stable source of work and economic income.

Dream money is also called "card loan", commonly known as credit card loan. Because of this loan, you must have a credit card to apply. If you don't have a credit card, you can't apply for a dream grant directly. Therefore, dream money is also called credit card loan.