If a CITIC credit card is overdue and is sued, it should repay in full, negotiate a settlement with the bank, and cooperate with the lawsuit.

1. Full repayment. If possible, do everything you can to pay back the overdue late payment fees and corresponding interest on your credit card.

2. Negotiate a settlement with the bank. If you really do not have the ability to repay, you can explain your actual situation clearly to the person in charge of the bank, and outline your repayment plan and source of income to the bank. When the situation is good, you can also reach a settlement agreement.

3. Cooperate with litigation. There was no money to repay, and no settlement was reached with the bank. In addition to credit card fraud involving malicious overdrafts and non-repayment as expected, these are just civil disputes. Don't be too nervous about this and actively cooperate with the lawsuit.

4. Credit card is a convenient payment tool that provides overdraft consumption, installment payment and other functions, allowing users to flexibly manage funds and enjoy shopping fun. Overdue credit card means that the cardholder fails to pay off the amount due before the repayment date specified in the credit card bill, resulting in overdue fees and damage to the credit record.