If CITIC Credit Card is overdue, you can contact the customer service staff of CITIC Bank to negotiate repayment. If the cardholder can pay off in one lump sum, there is basically no problem in repayment. Generally, overdue records will be overwritten after two years, and will be completely deleted after five years.
If the overdue time is long, then the cardholder may have been blacked out by the bank. At this time, if you want to negotiate repayment, you'd better bring your ID card to the bank counter to negotiate.