According to the information provided, overdue bills for CITIC Bank credit cards will overlap between two installments. The detailed explanation is as follows:

1. Possible reasons:

The reason for overdue bills may be due to processing delays or omissions in the banking system, resulting in the overdue bills of the previous period not being processed in time. Then the next bill appears on top of it.

2. Amount involved:

The specific amount of each overdue bill will be added to the next bill. This means that if you are overdue for two installments, your next bill will include the cumulative overdue amount of both installments.

3. Overdue interest and penalties:

Normally, overdue interest and related penalties will be calculated on overdue bills. Overdue interest is calculated based on the interest rate specified by the bank, and will be calculated cumulatively based on the number of overdue days and overdue amount. The specific amount of the fine depends on the relevant terms of the credit card, but it is generally calculated as a certain percentage.

In short, the overlapping of two overdue bills on CITIC Bank’s credit card will result in an accumulated overdue amount in the next bill, which may also include overdue interest and penalties. It is very important for users to handle overdue bills promptly to avoid incurring additional charges. It is recommended that users contact their bank immediately when an overdue bill appears and pay off the overdue amount and related fees as soon as possible to restore a good credit record.

Extended information:

Methods for handling overdue credit card bills

1. Contact the bank as soon as possible to understand the specific situation of the overdue bill and explain your situation to the bank Repayment plan.

2. Try to repay the minimum payment amount on time to avoid more overdue interest and penalties.

3. If you cannot repay on time, you can negotiate with the bank to formulate a reasonable repayment plan and seek appropriate extension or installment arrangements.

4. In case of temporary difficulties, you can also consider borrowing money from relatives and friends or using loan products from other financial institutions to pay off overdue bills.

5. Avoid overdrafting or incurring new debt on other credit cards to avoid increasing the financial burden.

The above are answers and suggestions for the overlapping issue of two overdue bills of China CITIC Bank credit card. Hope this information is helpful to you. When dealing with overdue bills, it is important to communicate with the bank in a timely manner and develop a repayment plan to avoid further impact on your personal credit record. If you have other questions, it is recommended that you contact CITIC Bank customer service directly for more detailed and accurate answers. I wish you a speedy resolution of the problem and a return to good financial status.