The credit card pre-litigation mediator is real:

1. It does not have the nature of a court hearing, that is, it is mediated by the people's mediation studio established in the court's filing division;

2. It is of the nature of a court hearing, that is, the case is mediated by a judge from the filing division of the court or by a judge, a people's assessor, or a people's mediator. According to the current law, my country's mediation system mainly includes three parts: court mediation, people's mediation and administrative mediation. Court mediation, also known as judicial mediation and litigation mediation, refers to the activities conducted by the court when hearing various cases. The parties negotiate on an equal footing and reach an agreement to resolve disputes.

What to do if your credit card is overdue and notified of pre-litigation mediation:

1. Cardholders should actively cooperate and coordinate. This is a good coordination method. It is relatively better to reach an agreement with the bank. solution.

2. If the credit card debt is overdue and is notified by the bank to file a lawsuit in court, the cardholder can proactively contact the bank to negotiate the credit card repayment issue. If both parties reach an agreement, they can sign a repayment agreement, and the bank The prosecution will be withdrawn.

In summary, credit card pre-litigation mediators are real. Court mediation is also called judicial mediation and litigation mediation. It means that when the court hears various cases, it is presided over by the court and the parties negotiate on an equal footing to reach an agreement. Agreements to resolve disputes.

Legal basis:

Article 39 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

The card-issuing bank shall establish a credit card marketing management system and regulate marketing personnel. Carry out systematic training, registration assessment and standardized management, and do not use a single piece-based commission assessment method based on the number of cards issued for marketing personnel. Credit card marketing activities should meet the following conditions:

(1) Marketing materials are true and accurate, and must not contain false or misleading statements or major omissions, and must not contain exaggerated or one-sided publicity. Expenses that should be borne by cardholders must be open and transparent. Risk warnings should be printed in obvious and easy-to-understand words in promotional materials and product (service) application materials. The description of the warning content should be true, clear, sufficient, and exemplary. Cases should be representative.

(2) Marketing personnel must wear the logo of their bank, clearly indicate their card-issuing bank and customer complaint hotline, use uniformly printed promotional materials for credit card products (services), and clarify credit card charging items and interest calculation policies. Conduct sufficient information disclosure and risk warnings on business risks, etc., confirm that there are no traces of alteration in the important certification materials submitted by the applicant, confirm that the applicant has known and understood the above information, confirm that the applicant has signed the application materials, and retained relevant evidence. Misleading and deceptive promotional interpretations are not allowed. When customers have any questions about the authenticity and reliability of promotional materials, relevant information inquiry channels should be provided.

(3) Marketing personnel should publicly and clearly inform the application materials and basic requirements that need to be submitted to apply for a credit card, urge credit card applicants to fill in the application materials completely, correctly and truly, and review the identity documents (original) and necessary supporting documents (original). Marketers are not allowed to promise customers the issuance of cards, and are not allowed to market credit cards in the name of quick card issuance, card application, business card application, etc.

(4) Marketers shall strictly abide by the principle of keeping customer information confidential, shall not disclose customer information, and shall not subcontract or subcontract credit card marketing work. The card-issuing bank should strictly prohibit marketing personnel from engaging in credit card marketing activities outside the bank, and make clear system regulations on the time interval and confidentiality measures for marketing personnel to receive applicant information and submit it for review. In cases where applicant information is used to cross-sell other products and services.

(5) When marketing personnel conduct telemarketing, in addition to complying with the relevant provisions of Articles (1) to (4), they must retain clear recording materials. The recording materials should be kept for at least 2 years for future reference.