1. Consider installment: If it is confirmed that the credit card is abnormal, the bank will installment it, and you can consider whether to accept it or not. Installment is helpful to reduce the pressure of repayment, but if the financial situation does not allow installment, it is best to refuse.
2. Keep communication: During the communication with CITIC Bank, keep calm and clearly express your thoughts and needs. If you have any questions or concerns, you can ask the bank if there are other solutions to choose from.