CITIC Bank will collect overdue loans and credit cards by phone or SMS. If the overdue amount is large, and the customer has no intention to repay, and there is malicious overdue, CITIC Bank will entrust the collection work to a special collection company, and then it is possible to collect it at home.

In other words, CITIC Bank will not collect the money at home, but if it entrusts a special collection company, it will not be interfered by the bank, so it is more likely to collect it at home.