After the credit of CITIC Bank is overdue, if it is not returned for more than three months after repeated collection by the issuing bank, the bank has the right to recover the arrears through judicial procedures. The starting time of the specific judicial procedure depends on whether the overdue circumstances are serious.

Article 6 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management stipulates that if a cardholder overdraws beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and fails to return it for more than 3 months after being repeatedly collected by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. So if it is overdue, it should be repaid immediately.