1. What is the meaning of pre-litigation mediation for overdue credit card litigation? Credit card pre-litigation mediation is to negotiate overdue issues before filing a lawsuit and sign a mediation agreement. It mainly includes two situations. One is mediation that does not have the nature of a court hearing. , that is, mediation is carried out by the people's mediation studio established in the court's filing division; the other is mediation with the nature of a court hearing, that is, the mediation is conducted by the judge of the court's filing division or the judge comes together with the people's assessors and the people's mediator *** Mediate. 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. Administrative mediation refers to an activity in which state administrative agencies with the function of mediating disputes, in accordance with national policies and laws, based on the principle of voluntariness, distinguish responsibilities, distinguish right from wrong, and promote mutual understanding and compromise between the two parties through persuasion and education, thereby reaching an agreement to resolve disputes. People's mediation refers to a mass activity under the auspices of the People's Mediation Committee to persuade, educate, and persuade parties involved in civil disputes to promote mutual understanding and accommodation between the parties to the dispute and eliminate disputes.

2. What to do if your credit card is overdue for half a year? 1. If your credit card is overdue, you must not ignore it. First of all, you need to get in touch with the bank, indicate your current economic situation, take the initiative to express your willingness to repay, and hope that the bank will coordinate and customize a reasonable repayment plan, and then work hard to make money and slowly pay off the debt. 2. Bank staff will continue to contact you after the due date, but do not deliberately avoid these calls. After answering the phone, you should promptly explain your willingness to repay and your current financial pressure, and ask for a grace date. 3. If the cardholder is really unable to repay the amount required by the bank, he or she can apply for an extension or installment policy from the bank and sign a personalized installment agreement. In general, the impact of an overdue credit card is relatively large. It is recommended that you make sure to repay on time. Administrative mediation refers to the activities of national administrative agencies with the function of mediating disputes, in accordance with national policies and laws, based on the principle of voluntariness, and on the basis of distinguishing responsibilities and right from wrong, through persuasion and education, to promote mutual understanding and compromise between the two parties, and to reach an agreement to resolve disputes. People's mediation refers to a mass activity that, under the auspices of the People's Mediation Committee, persuades, educates, and persuades the parties to civil disputes, so as to promote mutual understanding and compromise between the parties to the dispute, thereby eliminating disputes. I hope the above content can be helpful to you. If you have other questions, you can click the button below to consult a debt lawyer.