The credit card does not contain special items and is owed to 20 yuan. Special items refer to the special amount of credit cards. Special line refers to the amount of credit card used under certain circumstances, such as online payment and installment payment. The special limit is separated from the total amount of credit cards, and generally cannot be used for daily consumption, and can only be used for specified scenarios or purposes. Credit card debt is in 20 yuan, and it does not include special items, so this 20 yuan debt refers to the expenses incurred by normal credit card consumption, not the expenses under special limit. Repayment should be made in full and on time according to the requirements of the bank to avoid overdue charges.