They can mediate, and the debtor only needs to agree to pay back the money. Otherwise, the pre-trial mediation will be invalid and the suspect will be held criminally responsible for credit card fraud.

Legal basis:

"Provisions of the Supreme People's Court on Several Issues Concerning the Civil Mediation Work of People's Courts"

Article 2 The parties shall reach a settlement on their own during the litigation process If an agreement is reached, the people's court may confirm the settlement agreement and prepare a mediation document based on the application of the parties concerned. The period during which both parties apply for out-of-court settlement will not be included in the trial period. If a party applies to the People's Court to coordinate the reconciliation activities during the reconciliation process, the People's Court may appoint trial assistants or invite or entrust relevant units and individuals to engage in coordination activities.

Article 3 The people's court shall, before mediation, inform the parties of the names of the mediator and clerk, as well as whether to apply for recusal and other relevant litigation rights and obligations.

Article 4 The People's Court shall mediate the case before the expiration of the defense period. For cases subject to ordinary procedures, it shall be conducted within 15 days from the date the parties agree to mediation. For cases subject to simplified procedures, it shall be mediated within 7 days from the date the parties agree to mediation. If a mediation agreement is not reached within days, mediation can continue with the consent of all parties. The extended mediation period will not be included in the trial period.