CITIC Dream Gold, as the name suggests, is a loan that can satisfy your basic consumption. Many of you think that after applying for it, you can use it as much as you want, but this idea is actually wrong.
How to use CITIC Bank Credit Card Dream Gold
People who have successfully applied for CITIC Bank Credit Card Dream Gold must pay attention to the fact that it is valid for 30 days after the reservation of activation amount (setting the starting amount of installment and the number of installment periods).
During the validity period, card spending at designated types of merchants will be automatically amortized when the reservation starting installment amount is reached, and the cardholder will pay the corresponding handling fee to enjoy the service of repayment by installment.
The amount and validity period of the Dream Amount will change as the cardholder's card usage and creditworthiness change, so be sure to call customer service in time if you have special needs.
What are the consumption categories of CITIC Bank credit card Dream Gold
In the process of using, it is important to note that the amount of Dream Gold is generally limited to the daily consumption of the installment, and not investment areas.
1, applicable consumption categories are:
1) training (such as MBA, English, dance, children's early education, etc.);
2) home decoration (new house decoration, home furnishings additions);
3) purchase of a car (new cars, second-hand cars);
4) wedding (wedding photography, rings, banquets);
5) travel (internal, overseas tours);
6)department stores (jewelry, electrical appliances, luxury goods, brand-name clothing);
7 other fees restricted class consumption.
2, restricted categories of consumption categories are:
Real estate, financial, public hospitals, government services, gaming and several other categories to limit the use of Dream Gold transactions.
Remember to never use the Dream Gold in restricted type merchants, or the bank has the right to terminate the installment service early and charge a default fee, and more importantly, it will affect personal credit.
Summary: The above is all about how to use CITIC Bank credit card Dream Gold, I hope it can help you