Overdue According to the inquiry of CITIC Bank in official website, serious overdue of CITIC Bank's credit card will lead to the suspension of payment, so it is necessary to automatically cancel the account five years after the overdue debt is paid off, or negotiate with the bank account manager at the bank counter or outlet to solve the problem of payment suspension. China CITIC Bank was established in April 1987 and its headquarters is in Beijing. It is one of the national commercial banks in China.