Processing method of overdue credit card of CITIC Bank

1. Lending the credit card of China CITIC Bank to others is already a breach of contract, and the person himself needs to bear full responsibility for the consequences. If you tell this to the customer service of China Merchants Bank now, the card may be deactivated.

2. CITIC Bank credit card has two concepts: billing date and repayment date (also called the last repayment date). The former is the day of transaction settlement in an accounting cycle, and the latter is a receipt cycle. Because you can't get back in touch with customer service, it doesn't rule out that you misunderstood the customer service staff's explanation or that the customer service staff's statement was unclear or even incorrect.

3. The repayment date is mainly used by the bank to judge whether the cardholder has a malicious overdraft tendency and to judge the cardholder's recent economic situation. Therefore, repayment after the last repayment date will inevitably lead to overdue credit card records. Whether this record can be changed from the central bank requires further consultation between you and the issuing bank.