The prepayment fee of Dream-Dream Fund of China CITIC Bank is charged by installment fee of 1. In addition, the selected cardholder can apply for early termination of the installment plan, but all the remaining installment amounts must be repaid in one lump sum, and the fees paid will not be refunded, and the first installment fee will be added as the prepayment fee.
I. China CITIC Bank
CITIC Bank, formerly known as CITIC Industrial Bank, was founded in 1987 and renamed at the end of 2005. CITIC Bank is one of the national commercial banks in China, with its headquarters in Beijing.
The major shareholder is China CITIC Company Limited. Banco Bilbao Vizcaya Argentaria (S. A. BBVA) invested 50,654.38 billion euros (about HK$ 5.02 billion) to buy a 5% stake in China CITIC Bank, and may also choose to increase its shareholding in China 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.
2015165438+10/8, CITIC Bank and Baidu reached a strategic cooperation and established baixin bank.
20 15 12, the new policy of "free online banking transfer" was introduced.
Second, what is the dream money like?
This repayment is generally equal to the monthly principal and interest, equivalent to the real interest rate 18% annualized, similar to credit card installment. CITIC Dream Fund is a high installment, with a fixed interest rate and a settable installment amount. When a single consumption exceeds the set amount, it will be automatically phased. Cardholders should swipe their cards within the validity period after the application is approved. If the validity period is 1 month, they can continue to apply next month. Repay according to the selected number of installments, or repay in advance.
It should be pointed out that:
1. Yuanmengjin will occupy the credit line of the cardholder's credit card during the installment period, and the credit line cannot be recovered, and will gradually decrease with the monthly repayment.
2. The installment amount and validity period of dream-dream-dream gold will be adjusted with the cardholder's card use and credit status, and it is not fixed. My dream gold is valid for 1 month.
3. Dream money cannot be used for real estate, finance, public hospitals, gambling, pre-authorization and other consumption.
4. The recorded installment amount and number of installments cannot be changed, and the consumption that has been phased cannot be phased again. If the consumption is returned, the installment payment of the consumption will not be cancelled.
Third, the charging standard of dream-fulfilling gold
The monthly interest rate of the dream-fulfilling gold is 0.75%, no matter how many installments are divided, the monthly interest rate remains unchanged.
Fourth, how to repay your dreams?
1. The monthly principal distribution and service fee are included in the monthly credit card bill, and the cardholder can repay in advance. If the service fee is paid in one lump sum, the advance payment will not be refunded. If the service fee is paid in installments, in addition to what has been paid on the bill, 3% of the remaining unpaid principal will be charged as liquidated damages.
2. If the dream money is useless, you must cancel it in time. Otherwise, if there is consumption exceeding the set initial amount in the later period, the handling fee will still be automatically generated by stages. Some card friends don't understand the rules, call customer service and force a refund of the handling fee. This is a lucky situation. It is safer to follow the rules when using dream money. This pit is here. Whether to jump or not depends on your own funds.