The credit card may have expired. First of all, you need to determine whether it is genuine or fake. You can contact the relevant bank to make a phone call to verify whether it is an email sent by the bank to avoid being deceived. Pre-litigation mediation includes two situations:

1. It does not have the nature of a court hearing, that is, it is mediated by the People's Mediation Studio established in the court's filing division;

2. It has the nature of a court hearing The nature of the case is that it is mediated by the judge of the case filing division of the court or by the judge, people's assessors, and people's mediators.