It must be related. If your CITIC Consumer Finance is overdue, it will cause trouble for your credit card application. The bank will carry out risk control, which may reduce your limit at worst or reduce your credit limit at worst. Deactivate your card.

If you cannot afford to repay the loan due to your current financial strength, see if you can pay it off in installments. If it is overdue, your credit report will be called, which will affect your subsequent bank loans.

Extended information:

1. BOC Consumer Finance will provide users with a 3-day grace period for repayment, so no credit report will be filed until the overdue period exceeds 3 days. Bank of China Consumer Finance was established with the approval of the China Banking Regulatory Commission and is a subsidiary of the Bank of China. All its loan products will be subject to credit reporting, so users should try their best to repay on time. If it is overdue, they should repay within 3 days to avoid being responsible for the loan. Adverse effects on one's own credit report

2. Banks will report credit card users' card usage to the Credit Information Center of the People's Bank of China every month. After each loan or credit card is issued, each commercial bank must submit the borrower's repayment record to the credit reporting system in accordance with the format prescribed by the central bank every month, and form a personal credit report on this basis