Step 1: Use the formula for harmonic progression.
For a harmonic progression, the terms are the reciprocals of the terms of an arithmetic progression. Using the given terms, we can find the common difference of the arithmetic progression.
Step 2: Find \( t_{20} \).
By applying the formula for the harmonic progression, we find:
\[
t_{20} = \frac{1}{49}
\]
Step 3: Conclusion.
Thus, \( t_{20} = \frac{1}{49} \), corresponding to option (C).