If you receive a court summons with overdue credit card, you can choose to mediate with the bank. Because there is still a period of time before the court summons is received, during this period, the defendant can contact the judge to explain his willingness to mediate. If the bank is also willing to mediate, both parties can sign a civil mediation agreement with the intervention of the court. It should be noted that even the mediation bank will contain relevant penalty interest, so timely repayment is the right choice.

legal ground

Article 93 of the Civil Procedure Law of People's Republic of China (PRC), when trying a civil case, the people's court shall, on the basis of clear facts, distinguish right from wrong and conduct mediation.