How to use CITIC Bank's Dream Gold
CITIC Bank's "Dream Gold" is a kind of consumption installment service provided by CITIC Bank for credit card premium cardholders. As long as you spend a certain amount of money at a limited number of merchants, the purchase will be amortized immediately. Afterwards, the cardholder pays back the installment amount and handling fee according to the selected number of installments.
"Dream Gold" requires that, except for real estate, finance, public hospitals, government services and several other restricted industries, all other industry merchants can make purchases and enjoy automatic installment. So how do you use CITIC Bank's Dream Gold?
CITIC Dream Gold can be used directly with a credit card to swipe the card to consume, but need to be in the specified merchant type, the amount of consumption to meet a certain amount of money can be used, to reach the consumption amount, the consumption will be automatically carried out installments, the user can according to their own needs to carry out installments, and then according to the selected number of installments installments repayment, in addition to each installment of repayment of the principal amount, but also need to pay the corresponding installment of the CITIC Dream Gold installment handling fee.
How to use CITIC Bank Credit Card Dream Gold? There are restrictions on the use of consumption!
There are a lot of cardholders who want to consult, do not know how to use the CITIC Bank credit card Dream Gold, which areas can be safely used, which areas are taboo to use? Today to tell you in detail, feel useful must be collected!
CITIC Bank credit card Dream Gold application requirements turned out to be so simple!
Successful application to the CITIC Bank credit card Dream Gold partners, be sure to note that: after the reservation of the activation of the amount (set the starting amount of the installment and the number of installments), the validity period is 30 days.
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.
In the process of using the card, it should be noted that the amount of Dream Gold is generally limited to daily consumption installments, rather than investment areas:
1. Applicable consumption categories are:
1) training (such as MBA, English, dance, children's early childhood education, etc.);
2) home furnishings (new home renovation, home furnishings additions);
3) purchase of cars (new cars, used cars);
4)Wedding (wedding photography, rings, banquets);
5)Travel (inbound and outbound tours);
6)Departmental goods (jewelry, electrical appliances, luxury goods, brand-name apparel);
7)Other fee-restricted categories of consumption.
2, restricted categories of consumption categories are:
Real estate, finance, public hospitals, government services, gaming and several other categories to restrict the use of Dream Gold transactions.
2018 CITIC credit card free installment? Dream Gold gives you 1 year for nothing
How to use CITIC Bank credit card Dream Gold, is it clear to everyone, remember to never use Dream Gold in the restricted types of merchants, otherwise the bank has the right to terminate the installment service in advance and charge a penalty for defaulting on the payment, and more importantly, it will affect the individual's credit.
CITIC Bank credit card Dream Gold are able to where to spend
CITIC Bank credit card Dream Gold installment temporary amount of daily credit card consumption of a wide range, in addition to real estate, financial, public hospitals, government services, pre-authorization, betting and other transactions can not be used to use this amount of money, in principle, other industry merchants can be use it.
Warm tips: The Dream Amount credit can only be used for consumption and cannot be withdrawn.
1, credit card
Credit card (CreditCard), also known as credit card. It is a way to pay for non-cash transactions and is a simple credit service.
Credit cards are proof of credit issued by commercial banks or credit card companies to credit-qualified consumers. Consumers with credit cards can shop or spend money at specialized commercial services, and then the bank settles with the merchant and the cardholder, who can overdraw up to a specified limit.
China's relevant law ("Interpretation of the Standing Committee of the National People's Congress on the Provisions of the Criminal Law of the People's Republic of China*** and the State of China Concerning Credit Cards") stipulates that a credit card refers to an electronic payment card issued by a commercial bank or other financial institution that has the full function or part of the function of consumer payment, credit facilities, transfer and settlement, and accessing and withdrawing cash, etc.
On December 1, 2017, the Public ***Service Area English Translation and Writing Norms" was formally implemented, stipulating that the standard English name of credit card is CreditCard.
Credit card is generally a special carrier plastic card that is 85.60 millimeters in length, 53.98 millimeters in width, and 1 millimeter in thickness with the name of the card issuer, expiration date, number, and name of the cardholder printed on the front side, and the back side has a chip, a magnetic strip, and a signature strip. The cardholder can use the credit card to the special unit shopping, consumption and access to the bank cash.
With a credit card you don't have to pay cash when you make purchases, and you can pay back the money on the billing date.
Credit cards are divided into credit cards and quasi-credit cards, credit cards are credit cards in which the cardholder has a certain credit limit and can make purchases within the credit limit and then make repayments; quasi-credit cards are quasi-credit cards in which the cardholder is required to deposit a certain amount of reserve, and can overdraw the card within the stipulated credit limit when the balance in the reserve account is insufficient to make payments. The term credit card generally refers to credit cards alone.
Reference link: Baidu Encyclopedia_Credit Cards
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