The application process for suspending interest rates and suspending accounts for CITIC Bank credit cards is mainly carried out by contacting customer service over the phone. First, cardholders need to call the customer service hotline of CITIC Credit Card Center to explain in detail their financial difficulties and the reasons for their inability to repay on time. When applying, you need to prepare relevant evidence, such as personal income certificate, debt statement, etc., to prove your repayment difficulties.

However, whether the application for suspension of interest rates can be successfully processed does not depend on the applicant's wishes, but is decided by the bank based on the information provided and evaluation results. The bank will focus on examining the applicant's repayment ability, including but not limited to personal financial status and whether it is actively facing collections. Even if it is overdue, you should actively communicate with the bank to show that you are willing to repay the debt, which will help increase the likelihood of your application being approved.

During the application process, providing reasonable supporting materials is crucial to the success of the application. This may include, but is not limited to, proof of unemployment, proof of critical illness, or official documentation of financial hardship to show that your predicament is not a malicious attempt to avoid debt. In general, applying for an interest-rate suspension requires the applicant to face the problem sincerely, cooperate with the bank's investigation, and provide sufficient evidence to support his application. The final approval depends on CITIC Bank's judgment based on the specific circumstances.