Both parties have the right to choose reconciliation, or they can initiate mediation under the auspices of the court, as long as they apply in litigation. If the debtor is sued by the creditor for overdue repayment of the credit card, both parties have the right to choose to settle or mediate under the auspices of the court. If the parties reach a settlement or mediation, they may start negotiations on debt repayment. If the debtor is temporarily unable to fully perform the debt, it may extend the repayment period through consultation, or determine repayment by installments through consultation. If the parties reach a settlement, they may apply to the court for a conciliation statement to close the case, and the plaintiff may also choose to withdraw the lawsuit. If the case is settled through mediation, the court may make a conciliation statement.

legal ground

Article 9 of the Civil Procedure Law of People's Republic of China (PRC), when trying civil cases, the people's courts shall conduct mediation according to the principle of voluntariness and legality; If mediation fails, a judgment shall be made in time.