Legal analysis: Minsheng Credit Card is sued. After filing the case overdue, the court will let the user negotiate with the bank first. As long as the user and the bank reach an agreement, then the bank will withdraw the lawsuit. Therefore, users must actively cooperate with the bank during the negotiation process, and then the bank will negotiate the repayment time and amount with the user, and the user can repay the loan as agreed.

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

Article 122 Where a civil dispute brought by a party to a people's court is suitable for mediation, it shall be mediated first, unless the party refuses to mediate.

Article 123 The people's court shall guarantee the right of prosecution enjoyed by the parties according to law. A lawsuit that conforms to Article 119 of this Law must be accepted. Those who meet the conditions for prosecution shall file a case within seven days and notify the parties concerned; If it does not meet the conditions for prosecution, it shall make a ruling within seven days and refuse to accept it; If the plaintiff refuses to accept the ruling, he can appeal.