Not interested in using CITIC Dream Gold. There is no management fee, but a monthly fee of 0.75% will be charged. If you apply for and use RMB 20,000 in the current month, the monthly fee will be RMB 20,000 * 0.75 =150, without interest. CITIC Bank Dream Fund is a credit loan product specially designed to meet the large consumption demand of consumers. It allows cardholders to obtain an independent installment quota, which can be used for specific consumption occasions, such as education and training, home decoration, car purchase, wedding, tourism and so on. The dream-fulfilling fund is relatively high, with a maximum of 300,000 yuan, which can meet the large expenditure demand of consumers.