Suddenly received a text message from CITIC Bank. What does this mean?

I am in the same situation as you. Two credit cards are overdue, one is a card, and the other is an electronic card bound by cash installment. It is also a short message sent after CITIC 1069, saying that I am seriously overdue and require a one-time repayment, otherwise I will come to the door or sue. To a large extent, this is just a means of collection, but after all, it is money owed to the bank, so we should adjust our mentality, work hard, strive for early repayment and cancel the card. Don't lose touch. There are so many overdue credit cards in the country every year, and the amount is larger than ours. Generally will not be prosecuted.