Really.

1. Protect the rights and interests of the parties: The court calls for mediation over overdue credit cards because the court, as an impartial third party, can equalize the interests of both parties through telephone mediation and ensure that the debtor's repayment ability is reasonably identified. At the same time, it also protects the legitimate rights and interests of creditors, so it is true that the court will call for mediation if the credit card is overdue.

2. Save time and cost: The process of phone mediation for overdue credit cards is relatively simple and efficient. It does not require the parties to go to the court in person, which saves time and costs. Therefore, it is true that the court calls for mediation for overdue credit cards.