The crime will not be reported.

The CITIC Bank Public Security Report Notice is a collection letter left by a third-party collection agency entrusted by CITIC Bank to put pressure on the cardholder after the credit card is overdue. The notification letter usually states the cardholder's name, ID number, overdue amount, overdue days, contact number and other information, and claims that if the cardholder does not repay within three days, the case will be reported to the public security agency and he or she will be held accountable. criminal responsibility.

However, this kind of notification letter does not have legal effect, nor does it mean that the public security organs have intervened. Overdue credit cards are civil disputes and do not constitute crimes. Criminal liability may only be involved when the cardholder is suspected of fraud or malicious overdraft. If CITIC Bank wants to sue the cardholder, it will also need to go through formal legal procedures instead of going through a third-party reminder, and the collection agency will issue a notification letter.