What you want to ask is that the CITIC credit card is overdue and I received a text message saying that it will be handed over to the risk department for collection. Is it true? When my CITIC credit card expired, I received a text message saying that it would be handed over to the Risk Department for collection. This was a lie. When you enter the process after overdue, different legal workflows will be adopted according to the size of your debt and the length of overdue time. If the overdraft principal of the overdue credit card is less than 10,000, and the overdue time is not long , usually the lowest one will be taken and just handed over to the collection department for collection by text message or phone call.