Most cardholders know that there are two kinds of loans behind CITIC Bank's credit card: one is dream money and the other is quick money. Dream metal is automatically phased in credit cards, and New Express now directly withdraws cash to savings cards. Friends with CITIC Bank credit cards may find it easier to distinguish these two kinds of loans. There are often loans, but the amount can't be raised, so the worry comes. I want to use a loan, but I'm afraid it will affect my personal credit, so it's difficult to withdraw it in the future.

Let me first talk about the specific forms of these two loans, which I have shared in my previous articles. Let me give you a brief introduction.

Dream Pay: Once the quota is available, enter from the dynamic card space and set the automatic installment amount and installment times. For example, the number of installments in 2000 is 6, so as long as your credit card exceeds 2000, the amount you dream of paying will be automatically used and divided into 6 installments.

Note: the dream interpretation amount is valid, and it will be invalid if it is not used up within the validity period. Secondly, it has been used up within the validity period and must be cancelled. Otherwise, the credit card limit itself is phased (this is a problem that everyone ignores).

New Express: It is a cash installment loan, which has two parts. Independent quota and occupancy quota. If you use it, you only need to use an independent quota. This is directly to the savings card, and you can choose the application amount and the number of periods.

Note: it is best to use up the available quota, so that your new express will not occupy a fixed quota.

So, if you get the money of your dreams or the New Express, will it affect the withdrawal of your credit card? Can this loan still be used after the transfer?

Let's talk about whether there will be any problems after taking it.

Yes, of course, provided that we use credit cards. When we pay back the money slowly, if the card is used well, we will continue to lend later.

Will it affect withdrawal?

First of all, we should know that the bills of these two kinds of loans are in the bills of credit cards, which are only independent loan quotas, but they are also directly related to credit cards. So the repayment must be on time.

Through my practice, there will be no direct impact. After taking the loan, you can still standardize the use of cards to improve your credit card, and you can also increase the amount. Secondly, taking this kind of loan is also a contribution to the bank. Of course, this does not mean that we have made this contribution, and credit cards can be used without fear.

We must also follow the purpose of raising cards, and we must standardize the use of cards and treat them independently. If you lend money in a short time, it is not recommended that you take it frequently, or take the card as the leading factor. Finally, I hope everyone will study hard and reasonably regulate the use and maintenance of cards.