Industrial credit card overdue for half a year said that as long as the principal is repaid, the remaining late payment fee will be reduced. I have paid back the principal, but the late fee is not zero. How long will it take to eliminate it? It can't be free. The source of income for banks is interest and handling fees. If you are overdue for half a year, which has caused considerable occupation cost to the bank, then the interest late payment fee will be charged anyway. But if the dunner doesn't say so, you may not pay back a penny, and the consequences will be more serious. I hope you can be an honest man and pay back the money, otherwise you will have a bad record.