Legal analysis: If you are sued for a credit card debt of RMB 20,000, you should repay it in full. After repayment, you can ask the bank to withdraw the lawsuit. If you are temporarily unable to repay in full, you should actively respond to the lawsuit and apply to the court for installment repayment. Failure to repay the money in time may constitute a malicious overdraft and constitute a crime.

Legal basis: "Civil Procedure Law of the People's Republic of China" Article 125 The people's court shall send a copy of the complaint to the defendant within five days from the date of filing the case, and the defendant shall receive the File a defense within fifteen days from the date of arrival. The defense statement shall state the name, gender, age, ethnicity, occupation, workplace, residence, and contact information of the defendant; the name, residence, and name, position, and contact information of the legal person or other organization and the legal representative or principal person in charge. The People's Court shall send a copy of the defense to the plaintiff within five days from the date of receipt of the defense. If the defendant fails to submit a statement of defense, it will not affect the trial of the People's Court.