Cardholders apply for "dream come true" products through the official channels opened by CITIC Bank Credit Card Center (hereinafter referred to as "Card Center").
After the application is passed, it will be spent in the designated type of merchants within the validity period. When the initial installment amount is reached, the installment will be automatically processed, and the cardholder will repay the corresponding installment amount and handling fee according to the selected installment number.
"Dream of Dreams" products are only available to credit card holders of CITIC Bank.
Cardholders can apply for "dream deposit" products through official channels opened by the card center, including but not limited to customer service hotline, card space, official website, official WeChat, SMS marketing, telephone sales, etc.
Extended data:
The processing flow of CITIC Credit Card Yuanmengjin business:
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. Cardholders can, according to their own needs, call customer service or other official channels to modify the initial installment amount, installment number or close the "dream-ending gold" product within the scope permitted by the card center before using the designated credit card account for the first time on the same day, and the final result will be subject to the approval of the card center. The card center has the right to adjust the installment amount, installment number and validity period of the cardholder according to the change of the cardholder's card use and credit status.
3. 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.
4. The number of * * * phases of "Dream-Dream Gold" products is set to 3, 6, 12, 24 and 36 * * *, and the cardholder can choose from the above phases.
5. "Dream Dream" products are valid for 30 days from the date of successful handling. Cardholders can spend money at designated merchants within the validity period, and automatically apply for installment when the initial installment amount is reached. The cardholder will repay the corresponding installment amount and handling fee in installments according to the selected number of installments.
6. "Dream Dream" products can only be handled through the credit card account in the cardholder's own name.
7. The "dream come true" product will occupy the cardholder's credit line during the installment period, which may include some special temporary credit lines for installment. The special temporary limit of installment refers to the special temporary limit of installment,
The card center grants the cardholder a one-time temporary credit line for installment payment. This credit line is non-recoverable, and will gradually decrease with the monthly repayment, and the reduced credit line is not greater than the cardholder's repayment amount in the current month. ?
8. The "dream come true" product is only applicable to RMB consumption traded through UnionPay channel, except for pre-authorized transactions, real estate, finance, public hospitals, gambling and other consumption, as well as restricted consumption stipulated by the risk policies of the regulatory authorities and CITIC Bank.
9. The card center and the cardholder will confirm the elements of product processing by including but not limited to telephone, SMS, Internet or other data information.
10. The cardholder cannot change the recorded installment amount and number of installments. For the consumption that has been phased, you cannot apply for the installment corresponding to the installment amount again.
1 1. Product duration, such as cardholder account cancellation, card cancellation, account freezing, overrun, ID card expiration, etc. , will affect the normal consumption and use of "dream dream" products.
12. If the original consumption recorded in the account is returned in full after the product of "Yuanmengjin" is processed, the card center will automatically cancel the installment of the consumption, and the installment fee collected will not be refunded;
If part of the original consumption that has been accounted for is returned, the consumption installment will not be cancelled, and it will still be automatically accounted for according to the full amount of the original consumption, and the installment amount and handling fee will be charged normally.
13. Do cardholders use Samsung? Pay and Huawei? Pay, apple? When using mobile payment devices such as Pay, you can't use the installment special temporary line of this product.
CITIC Bank Credit Card Center-CITIC Yuan Mengjin