No.

The credit card has been enforced, which means that the cardholder and the bank failed to negotiate for repayment after being sued and before the judgment. In this case, the cardholder has obviously lost the lawsuit. The bank has finally been able to let the cardholder through judicial channels. If you want to pay off the debt in one lump sum as soon as possible, you will not agree to negotiate again, especially if the cardholder has enforceable assets in his name. Therefore, if you plan to negotiate repayment with the bank, you must seize the above two opportunities. Before negotiating, check whether you have committed any of the following behaviors: 1. Using a forged or fraudulently obtained credit card with false identification; 2. Using an expired credit card; 3. Pretending to use someone else’s credit card; 4. Malicious overdraft. The key is to explain your financial situation, provide proof of income, and let the bank know that you are only temporarily unable to repay, but you do not have the ability to repay.