Legal! After all, it is a product launched by CITIC Bank, so it must be legal; However, there are four points to pay attention to when applying for the dream grant of CITIC Bank:

1. Yuanmengjin will occupy the credit line of the cardholder's credit card during the installment period, and the credit line cannot be recovered, and will gradually decrease with the monthly repayment.

2. The installment amount and validity period of dream-dream-dream gold will be adjusted with the cardholder's card use and credit status, and it is not fixed. My dream gold is valid for 1 month.

3. Dream money cannot be used for real estate, finance, public hospitals, gambling, pre-authorization and other consumption.

4. The recorded installment amount and number of installments cannot be changed, and the consumption that has been phased cannot be phased again. If the consumption is returned, the installment payment of the consumption will not be cancelled.