Legal analysis: Yes. If the bank agrees, it can negotiate, and after consultation, the bank can withdraw the lawsuit. The premise is that the debtor promises to repay the money, otherwise the bank will not negotiate with the cardholder. Before the verdict is pronounced, if the plaintiff applies to withdraw the lawsuit, whether it is allowed or not shall be decided by the people's court. If the people's court decides that the withdrawal of the lawsuit is not allowed, the plaintiff may make a judgment by default if he refuses to appear in court after being summoned by summons without justifiable reasons.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 5 Civil subjects engaged in civil activities shall follow the principle of voluntariness and establish, change and terminate civil legal relations according to their own wishes.

Article 6 Civil subjects engaged in civil activities shall follow the principle of fairness and reasonably determine the rights and obligations of all parties.