I owe CITIC Bank a credit card of 4000 yuan, which I haven't paid back for four months. Today, a strange number 188 sent me a message and gave me 24 hours to pay it off.

I think it's a short message from the company. Maybe a lawyer called you.

I suggest returning it early. The interest rate is insanely high. The daily interest rate is 0.05%. If it is overdue every month, at least you will be charged 30 yuan, and the monthly interest will roll. If you exceed your maximum limit, you will be charged an overrun fee. The standard is 3% of the excess, which is charged monthly.

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