In this case, you'd better call the bank customer service to confirm. It may be because you are overdue for a long time and the bank can't urge you to repay, so the bank outsources it to a third party to help you collect it, as long as the principal is interest-free. Another situation is that this is a fraudulent phone call, with interest avoidance as the bait for fraud.

1. If the official customer service number of the credit card calls you, you can believe that calling you from other numbers is not reliable. It's best to call the bank customer service to see if the situation is true. Credit card collection includes internal collection and external collection. Internal dunning, as the name implies, is the internal collection of the bank and belongs to the bank's own staff. External collection is an external third-party collection hired by the bank. Of course, it is also authorized by the bank to carry out related collection activities. Under normal circumstances, if it is overdue for more than three months, the collection will be turned into external collection. The qualifications of third-party collection companies are mixed. If there is a problem of violent collection, you can call the police or complain to the bank to avoid infringement of your legitimate interests.

2. The third party called and said that it can only repay the principal, and interest-free is also likely to be fraud. You should check with the bank and don't be cheated because of immediate interests. Don't submit personal information online at will, and don't provide your dynamic verification code to strangers. If you need to repay, please go to a bank or a formal institution. If you are cheated, please call the police in time. If the credit card has an overdue record for three or six times in a row within two years, it will leave a bad record on the personal credit report and will also affect the mortgage application. Therefore, I suggest that you must remember to repay on time. Even if it can't be repaid in full, it is much better to pay back the money according to the minimum repayment amount every month, provided that even the minimum repayment amount can't be overdue.

CHINACITICBANK, 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. The telephone number of CITIC Bank Credit Card Center is 400-889-5558, and the telephone number of CITIC Bank Customer Center is 95558.