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If the credit card is overdue, can the court make a direct judgment or negotiate in the court?
Legal analysis: the bank agrees to negotiate, after which 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.

Legal basis: Before the verdict is pronounced in Article 145 of the Civil Procedure Law of People's Republic of China (PRC), if the plaintiff applies for withdrawing the lawsuit, the people's court shall decide whether to grant it or not. 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.

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