If you still owe 20,000 yuan to your credit card, we can take the following measures to solve the problem:

1. Timely communication: Contact the credit card issuer as soon as possible to explain your predicament and Ask for help. You can apply for installment payment or deferred repayment from the card issuing bank to reduce the pressure of repayment.

2. Reasonable planning: Develop a detailed repayment plan, analyze the available funds based on your own income and expenditure, and prioritize paying off high-interest credit card debt. You can increase available funds by reducing daily expenses and cutting unnecessary consumption.

3. Debt restructuring: You can consider consolidating multiple credit card debts into one debt through a simplification plan or a debt restructuring plan to lower the repayment interest rate or reduce the monthly payment amount. You can consult relevant professional institutions or banks for details.

In short, if we owe more than 20,000 yuan to our credit card, we should communicate with the credit card issuer in a timely manner to seek opportunities for installment payment or deferred repayment. At the same time, we need to formulate a reasonable repayment plan, plan funds reasonably, and give priority to repaying high-interest debts. If the situation is particularly serious, you can also consider a debt restructuring plan to reduce repayment pressure.

Extended information:

Credit card is a convenient consumption tool, but if it is not managed properly, it may lead to debt. The handling of credit card debts is mainly based on the "Credit Card Business Management Measures" and other relevant laws and regulations. According to relevant regulations in China, credit card debts are processed in a reasonable and legal manner, and threats, harassment, malicious coercion, etc. are not allowed.

For everyone, complying with relevant laws and regulations and planning consumption rationally are effective measures to prevent credit card debt problems. In addition, credit card debt issues need to be communicated and resolved in a timely manner to avoid greater risks and consequences. If you cannot solve it by yourself, it is recommended to seek help and guidance from the credit card issuer or relevant institutions in order to get a more professional and specific solution.

The above is the answer to the measures that should be taken when you owe 20,000 yuan to your credit card. I hope it will be helpful to you.