CITIC Bank needs to verify the identity information and credit status of the applicant negotiating repayment.

The credit report can reflect the applicant's credit status, including whether there are overdue records, debt status, etc., and help banks determine the applicant's repayment ability and credit risk. The front and back photos of the ID card can verify the applicant's identity information and ensure the applicant's authenticity and uniqueness. This information can help CITIC Bank make more accurate decisions and better manage loan risks. It is also to protect the rights and safety of applicants.