1. Merchant restriction: Dream Money can only be used by merchants who support UnionPay channel transactions, but not in real estate, finance and public hospitals. If a merchant who is not allowed to use dream coins spends a large sum of 250 thousand, the transaction will not succeed.

2. Initial amount limit: Dream Saving Fund has a fixed initial installment amount. Only when a single consumption exceeds this amount will it be automatically converted into installment payment. If the consumption amount of 250,000 yuan does not reach this initial amount, the installment will not be triggered, but it will be deducted directly from the credit card limit.

3. Dream payment is a temporary installment credit line service provided by CITIC Bank for selected cardholders. This service aims to enable cardholders to get additional credit support when they spend a lot of money, such as education and training, wedding, travel, decoration or car purchase. Different from other credit card lines, dream payment is characterized by providing fixed installment repayment options and more flexible use of funds.