If you pay back the money before the 20th, the bank will not appear in court to respond to the lawsuit, and the court will dismiss the lawsuit. After all, there are costs for the bank to appear in court to respond to the lawsuit.

"Civil Procedure Law of the People's Republic of China"

Article 143: After being summoned by subpoena, the plaintiff refuses to appear in court without justifiable reasons, or fails to If the court allows the case to be withdrawn midway, the case may be dismissed; if the defendant counterclaims, a default judgment may be made.

Article 144: If the defendant refuses to appear in court without justifiable reasons after being summoned by subpoena, or leaves the court midway without permission from the court, a judgment may be made in absentia.

Article 145: Before the judgment is pronounced, if the plaintiff applies to withdraw the lawsuit, the People's Court shall decide whether to grant it or not.

If the People's Court decides not to allow the lawsuit to be withdrawn, and if the plaintiff refuses to appear in court without justifiable reasons after being summoned by subpoena, a default judgment may be made.