If you negotiate a repayment with your credit card but the other party refuses, the dispute needs to be resolved through judicial procedures. You can follow the steps below.

1. Find an experienced lawyer, ask for his opinions and suggestions, and understand the background and possible results of the case.

2. Submit a complaint to the court, make a claim, and submit relevant evidence and materials.

3. Waiting for the court’s mediation and judgment.

4. If there is any objection to the judgment, you can appeal to the higher court.

5. Throughout the judicial process, legal regulations and procedures must be strictly observed, and the court's judgment results must be respected.