1. In case of overdue payment, there will not only be a 5% late payment fee (minimum 1 yuan) for the unpaid part, but also a full penalty interest (five ten thousandths of the daily interest, interest will start to accrue on the day of consumption, and interest will be recovered on a monthly basis until the principal and interest are paid off).

2. Bad credit records will be generated in the Credit Information Center of the People's Bank of China, which will affect the application for credit cards and bank loans within two years.

3. If the payment is overdue for more than three months or the bank has made more than two reminders, the bank will freeze the card and list it as a prohibited customer.

4. CITIC Bank Credit Card: On December 8, 23, CITIC Bank Credit Card Center officially issued CITIC Credit Card to the outside world. By the end of October 26, the cumulative number of credit cards issued had reached nearly 2 million, ranking among the top in the domestic banking industry, among which CITIC Platinum Credit Card ranked first in the country, initially establishing its position and brand image in the credit card market in China. The credit card of CITIC Bank has always been aimed at serving the public, and it will serve the public better. Many people who have used credit cards know that credit cards are very convenient, not only in domestic shopping malls and supermarkets, but also in some foreign consumption places. Credit cards have greatly facilitated the general public and made banks gain more profits from them.

As one of the pioneers in the domestic credit card industry, CITIC Credit Card has made remarkable achievements in 26, with business indicators such as card issuance, transaction volume and business income reaching record highs. With the debut of new products such as CITIC Magic Gold Card, "Air China Companion" CITIC Credit Card, CITIC 26FIFA World Cup MasterCard, CITIC I Card, CITIC McCawlin Co-branded Card, CITIC Yansha Mall Co-branded Card, CITIC Xindaxin Co-branded Card, CITIC Netcom Co-branded Card and CITIC Telecom V-branded Card, the installment business of CITIC Shopping Mall and mail order installment business in cooperation with Gome and Suning, two national home appliance chain giants, have been fully launched. The brand image of CITIC Credit Card has been rapidly promoted by the comprehensive upgrade of 1 services of Platinum Card, the exclusive preferential activities of closing stores on "special day" by stages, and the innovation of a series of services such as CITIC Business Travel Service, and it has been well received by all walks of life and customers.