No, 3 months.

If a CITIC credit card is overdue for more than 3 months and fails to repay despite multiple effective collections, you will be prosecuted. When a bank sues a cardholder, it will not contact the local police station directly, but will file a public prosecution through the court. Before filing a lawsuit, the bank will contact the cardholder for collection. Collection methods include text messages, phone calls, door-to-door collection, etc.