CITIC Bank does take measures to collect overdue credit card debts, especially for accounts that are overdue for more than 3 months, and will entrust a third party to collect them. Collection agents may come to conduct investigations, such as verifying the cardholder's residence information, but they will strictly follow the procedures, usually involving more than two people, and the process will be audio and video recorded to ensure legality and avoid disturbing residents. This behavior is intended to prompt cardholders to resolve their outstanding balances, not to harass them.

When faced with a collection notice, the best response is to actively communicate, explain the reasons for the overdue payment, express your willingness to repay, and propose a feasible repayment plan. Even if negotiation is difficult, don't ignore it because avoiding it will only exacerbate the problem. Dealing with it as early as possible can avoid possible serious consequences, such as overdue interest, bad credit history, and even possible legal problems.

It is recommended to repay the loan as soon as possible to avoid negative records. If you encounter difficulties, you can proactively contact the bank, explain the specific situation, and apply for deferred repayment or installment repayment. But remember, after applying for an extension, you must repay as agreed to avoid long-term retention of bad records. After dealing with overdue items, continue to maintain a good credit record and avoid canceling credit cards because overdue information will be retained in the credit reporting system for a longer period of time.