CITIC Bank sent an overdue text message saying that the materials submitted to the court at the place of residence for preliminary review were false. According to the query of relevant public information, this kind of text message is a means of collection. When the bank wants to sue, it will not just be notified by text message or phone call, but the court will issue a notice of appearance. Before the credit card is overdue, the borrower can handle it directly. Install your credit card bill in installments, or use the one with the lowest payment, which can relieve the pressure of repayment without making the credit card overdue.