anyone gone to court for credit card debt b4 ?

i was summoned from a lawyer thats suing my on behalf of citibank. i owed them 750 in credit debt which they tacked on an irreversible 30% interest rate. I go to court tomorrow and wonder if it would be worth my time taking off work. If i dotn go it goes into default. would it be any different if i showed up and told them i didnt pay them because their rates were excessive and they wouldnt work with me to make it reasonable? should i go? have any of you gone to one b4?