1. Shopping in shopping malls: Unionpay merchants use credit cards for shopping, home decoration, car purchase, travel, wedding, etc. , but does not support restricted consumption in places such as finance, real estate, gambling and hospitals.
2.POS machine: use your own POS machine or find a suitable merchant to brush it out with a POS machine, but this way will generate a handling fee.
1. What is CITIC Dream Gold?
CITIC Yuan Mengjin refers to the large-scale consumption installment products launched by CITIC Bank. The amount is included in the total credit line of CITIC Credit Card, which can be used for large credit card consumption such as home improvement and car purchase.
CITIC Dream Grant is a temporary quota, and the specific quota is automatically updated by the system every month, so it cannot be manually intervened.
After the user opens the Dream of Dreams Fund, the temporary quota of the Dream of Dreams Fund will be used first, and then the permanent credit card quota will be used. After using the dream-realizing fund, a monthly handling fee of 0.75% will be generated every month.
2. Is the interest rate of CITIC Dream Gold high?
CITIC Yuan Mengjin is a temporary credit line provided by CITIC Bank for credit card holders, which can be used in stages.
When credit card holders spend a lot on home improvement, car purchase, training and wedding, they can choose to use dream deposit and enjoy automatic installment.
There is no interest and no management fee for using the dream money, but a handling fee of 0.75% will be charged every month. If you apply for and use RMB 20,000 in the current month, the monthly handling fee will be RMB 20,000 * 0.75 =150.
3. What if the dream has no voucher?
Dreams have no coupons. If CITIC Bank does not allow users to upload coupons, it doesn't matter if users don't have coupons. However, CITIC Bank allows users to upload consumption vouchers of Dream Money. If the user doesn't, CITIC Bank will let the user settle all the dream money arrears at one time, which will cause great repayment pressure on the user.
Therefore, in the process of using the dream money, users should pay attention to saving the consumption vouchers to prevent CITIC Bank from letting users upload the consumption vouchers without relevant materials.