I received a court summons on my overdue credit card, so I actively repaid the credit card and asked the bank to withdraw the lawsuit. Or actively respond and defend.

"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, The defendant shall file a statement of defense within fifteen days from the date of receipt. 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.

Article 143: If the plaintiff refuses to appear in court without justifiable reasons after being summoned, or leaves the court midway without permission from the court, the lawsuit may be dismissed; if the defendant counterclaims, a judgment may be made in default.

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If the People's Court decides not to allow the lawsuit to be withdrawn, and if the plaintiff refuses to appear in court without justifiable reasons after being summoned by subpoena, a default judgment may be made.