The card, which has an average interest rate of 16%, doesn't levy annual fees or impose late-payment charges.

该卡的平均年贷款利率为16%，免收年费或免征收滞纳金。

youdao

If the parent does not pay fees or charges due to the School on time, a late payment charge at 2% per month will be made.

如果家长不按时向学院支付任何类型的费用，学院将自账单到期之日起收取每月2%的逾期滞纳金。

youdao

Interest on loans may as well include annual fees, late payment fees, and over limit charges.

贷款利息也可以包括年费、逾期付款费用，超过限制的费用。

youdao

Wells guarantees on-time payment, helping Cindy avoid late fees.

FORBES: Why Are You Still Not Banking Online?

So if you tend to carry a balance month-to-month, run over your credit limit, or incur late payment fees, this could turn out to be a raw deal for you.

FORBES: Professional Credit Cards Aren't All Bad

For customers experiencing financial hardship, Chase may restructure loans to reduce interest rates, waive late and over-limit fees, and extend repayment terms through a variety of internal and external payment programs.

FORBES: Can Financial Procrastination Cause Heartburn?