1. Call CITIC Bank’s customer service hotline to apply (there is a customer service hotline number on the back of your credit card, you can call it directly).

2. After answering the customer service call, transfer to manual service first and explain to the customer service that you need to negotiate for repayment exemption.

3. After verifying the user information, customer service will record the detailed information and transfer the call to the corresponding department for processing.

4. Negotiate repayment matters with the contacting staff and formulate a personalized repayment plan.

5. Implement the negotiated personalized repayment plan.