Dream payment of CITIC Credit Card is a special installment amount, which will occupy the credit limit of credit card. When eligible merchants make consumption, the single consumption amount is about equal to the initial amount agreed when the dream coin is opened, and the fair will be automatically divided into stages according to the agreement, which is equivalent to using the dream coin.
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.
After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.
Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.
After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.
How to apply for a dream grant through CITIC Bank?
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Open Sogou browser, enter CITIC Bank and enter official website.
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After logging in the account password, click "Dream Interpretation" and "Apply for Opening".
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Enter your information accurately.
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After landing, there are several business contents on the left. Click "installment service" and select "dream payment".
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If the operation is accurate, you can apply for a certain amount of dream money.
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After the information is submitted, the Dream Foundation is completed. I hope I can help you.
How to apply for the second CITIC Dream Scholarship?
Follow the first application process. You can apply for the second CITIC Dream Scholarship according to the first application process. CITIC Dream Gold is the exclusive consumption quota provided by CITIC Bank for credit card customers.
What is the significance of CITIC Bank's dream gold business?
CITIC Credit Card "Dream of Dreams" product is provided for credit card holders of CITIC Bank. Once the single consumption amount of a specified type of merchant reaches the initial installment amount within a certain period of time, the consumption installment service can be automatically carried out.
Cardholders apply for the "dream-fulfilling gold" product through the official channel opened by CITIC Bank Credit Card Center, and the "dream-fulfilling gold" product is only for the main cardholders of CITIC Bank Credit Card.
Matters needing attention
1. When applying for "Dream Saving" products, cardholders should select credit card accounts, the first installment amount, the number of installments, etc. within the range provided by the card center.
2. The first installment amount is the initial installment amount of the cardholder's single consumption, which is divided into six stages: 500 yuan, 1 1,000 yuan, 2,000 yuan, 5,000 yuan, 1 1,000 yuan and 20,000 yuan * * (all in RMB).
Where a single consumption amount reaches the first installment amount selected by the cardholder and meets the conditions agreed in this clause, it will be automatically phased. If the single consumption amount does not reach the first installment amount or meet the conditions agreed in this clause, it will not be automatically phased.
What happened to CITIC Mengjin?
The "Dream of Dreams" product is a phased service for the consumption of high-quality credit card holders of CITIC Bank. In a certain period of time, once the single consumption amount of a specified type of merchant reaches the initial installment amount, installment consumption can be carried out. That is, the cardholder applies for the "dream-fulfilling gold" product through the official channel opened by CITIC Bank Credit Card Center, and after the application is approved, he will go to the designated type of merchants for consumption within the validity period. When the initial installment amount is reached, the cardholder will automatically apply for installment, and the cardholder will repay the corresponding installment amount and handling fee according to the number of installments selected.
First, how to open the dream fund
The "Dream of Dreams" product is a phased service for the consumption of high-quality credit card holders of CITIC Bank. In a certain period of time, once the single consumption amount of a specified type of merchant reaches the initial installment amount, installment consumption can be carried out. That is, the cardholder applies for the "dream-fulfilling gold" product through the official channel opened by CITIC Bank Credit Card Center, and after the application is approved, he will go to the designated type of merchants for consumption within the validity period. When the initial installment amount is reached, the cardholder will automatically apply for installment, and the cardholder will repay the corresponding installment amount and handling fee according to the number of installments selected.
2. What is the charging standard for Yuanmengjin products?
The service fee rate of each period ranges from 0- 1.5%, and the corresponding service fee of each period is evaluated by the system in real time. You can know the real-time evaluation results through the application interface. The corresponding converted annualized interest rate is 0- 18%, and the converted annualized interest rate is for reference only. Due to the different transaction time and repayment time, the actual annualized interest rate may be different from the reference value, and the above annualized interest rate is not applicable to the case of agreed non-repayment.
3. In which merchants can I spend my dream money by credit card?
In addition to real estate, finance, public hospitals, government services, gambling and other restricted industries, merchants in other industries can consume and enjoy automatic staging (subject to the actual audit of the bank). The Bank may adjust the list of restricted industries from time to time according to regulatory provisions and risk policies.
4. Successfully handling the "dream" installment business, will it occupy the credit line of the credit card?
If the cardholder successfully handles the installment business of "Dream Saving", the credit line of the cardholder's credit card in our bank will be occupied during the installment period, which may include some temporary and fixed installment lines. The installment special temporary line is a one-time temporary line granted to the cardholder specially for handling the above installment business after examination according to the customer's application. This line is non-recoverable, and gradually decreases with the monthly repayment, and the reduced credit line will not be greater than the cardholder's repayment amount in the current month. Moreover, the installment special temporary limit will re-evaluate your credit record on each billing date and re-credit the limit, so it may change.
How to brush out the dream money
After the dream authorization of CITIC Bank is opened, the dream authorization can be spent by credit card in UnionPay (unlimited) merchants.
Merchants restricted by Dream Grant: 1. Finance; 2. Real estate; 3. Public hospitals; 4. gambling; 5. Other consumption as stipulated in the risk policy of CITIC Bank; 6. Other consumption as stipulated by the regulatory authorities.
In addition, when spending on mobile payment devices such as ApplePay, HuaweiPay, SamsungPay, etc., you can't use the special temporary quota of dream-fulfilling gold.
1. Dream Scholarship is actually the exclusive consumption quota provided by CITIC Bank for credit card customers. It is prepared for their large credit card spending within the total credit line of CITIC Credit Card, which can be used for training, home improvement, car purchase, wedding, tourism and so on. When spending, you will use the temporary limit of dream currency first, and then use the fixed limit of credit card. When the credit card transaction amount reaches the set initial installment amount, it will be automatically installment.
2. It should also be noted that in real estate, finance, public hospitals, government services, pre-authorization, gambling and other transactions, the temporary quota of dream-dream installment payment cannot be used.
3. If you want to apply for Dream Saving Fund, you must not only hold a credit card of CITIC Bank (it must be a valid main card, blue card, official card, supplementary card and abnormal card), but also use a card in good condition. If there is bad behavior when using the card, the application is likely to be rejected. "CITIC Bank Credit Card" WeChat official account, click "Review Stage"; Then click "High Staging"; Then click "Apply for Opening" to start your dream. Or log in to the credit card APP "Mobile Phone Card Space" and click "Finance" after entering the APP; Then select "High Staging" and click "Apply for Opening". You can also call 4006995558 to apply for artificial service.
4. The main shareholder is China CITIC Co., Ltd. ... Bancobilbaovizcaya Argentaria (S. Abbva) invested 5.065438 billion euros (about HK$ 5.02 billion) to buy 5% of the shares of CITIC Bank, and may also choose to increase its shareholding in CITIC Bank to 10.07%. On April 27th, 2007, CITIC Bank was listed on the Shanghai Stock Exchange. CITIC Bank is the seventh largest bank in Chinese mainland, with total assets exceeding HK$ 65,438+0,200 billion, * * * employees exceeding 65,438+0,600 and more than 540 branches. It is one of the six banks and three guarantees for Chinese financial stocks in Hong Kong.
5. On May 9, 2020, the Consumer Protection Bureau of the China Banking Regulatory Commission reported that in March, 2020, CITIC Bank provided personal bank account transaction details to a third party without the authorization of the customer himself, which violated the principle of confidentiality for depositors. Our bureau will start the investigation procedure in accordance with relevant laws and regulations and investigate and deal with it strictly according to law.
So much for the introduction on how to apply for CITIC Credit Card Dream Fund.