First of all, you can take the initiative to get in touch with CITIC Bank and explain your situation. You can call the credit card customer service hotline of CITIC Bank to explain your difficulties and ask for help. The bank may provide you with some temporary measures to ease your repayment pressure.

Secondly, you can negotiate with the bank to make a reasonable repayment plan. You can provide the bank with detailed personal financial information, as well as your current income and expenditure, and ask the bank to postpone or repay by installments. After the bank knows your situation, it may customize the repayment plan that suits your ability.

In addition, you can also seek the help of third-party credit consulting institutions or professional lawyers. These institutions and professionals can help you analyze your debt situation and negotiate a more reasonable repayment arrangement with the bank. At the same time, they will also provide you with some suggestions to help you restore your credit history.

To sum up, to deal with the overdue minimum repayment of credit cards of CITIC Bank, you can contact the bank actively, negotiate and formulate a reasonable repayment plan, and seek the help of a third-party credit reporting agency or professional lawyer. It is important to keep communication and show a positive attitude to solve problems, so that it is easier for banks to understand and assist.

I hope the above information is helpful to you. Please feel free to ask any other questions. Good luck in solving the credit card problem!