It's true that CITIC Bank's credit card is overdue for three months, and the collection staff will be arranged to collect it at home. If you continue to pay off your account, you will receive a letter from a lawyer and be sued by the court. It is recommended to repay in time. Overdue repayment refers to the situation that the final repayment period stipulated by the bank is exceeded and the consumption money is not deposited in the designated account in full and on time.