If you need to negotiate repayment, you need to contact the customer service of CITIC Bank for application. You can directly call the customer service phone of CITIC Bank Credit Card and transfer it to manual service, and directly explain to the customer service that repayment needs negotiation. Relevant customer service staff will record the detailed information and forward it to the corresponding department for processing. A staff member will take the initiative to reply to the processing results. After the negotiation is successful, the repayment must be returned to the verifiable CITIC Bank account.