The process of credit card pre-litigation mediation usually includes the following steps:

1. Initiate a mediation request. When a party believes that there is a credit card dispute, it can submit a mediation request to relevant institutions, such as banks, credit card organizations or relevant consumer complaint agencies.

2. Provide evidence and materials. During the mediation process, both parties need to provide relevant evidence and materials, such as credit card bills, transaction records, contracts, etc. These materials will be used to evaluate the relative factual and legal basis of the dispute.

3. Mediation meeting. The mediation agency will arrange a mediation meeting and invite both parties for face-to-face negotiation and communication. Mediation meetings are generally chaired by a mediator. Both parties can state their views and opinions on the debt and consider various possibilities for resolving the dispute.

4. Develop a mediation agreement. During the mediation session, if both parties agree, the mediator drafts a mediation agreement. The mediation agreement includes the consensus reached by both parties, such as repayment methods, refund fees, interest rate adjustments, etc. Both parties can discuss and modify the content of the agreement until an agreement is reached.

5. Fulfill the mediation agreement. After signing the mediation agreement, both parties should perform their respective obligations in accordance with the content of the agreement. If one party fails to perform its obligations in accordance with the agreement, the other party can pursue liability through legal means.

6. Terminate the mediation process. If the parties fail to reach an agreement during the mediation process, or the parties are unwilling to participate in the mediation, the mediation process will be terminated. Both parties may choose to enter court proceedings to resolve the dispute. In addition, the parties need to abide by the mediation procedures, actively cooperate with the mediation work, provide true and accurate information and evidence, negotiate carefully, try to reach a consensus, pay attention to the implementation of the mediation results, and promptly apply to the court for enforcement if there are any abnormalities.