Based on the information provided, please give Chinese answers to the following questions:

The credit card is overdue for two years. The bank has collected it several times and has not paid it back. Now there will be fees after paying it off. ?

Answer:

According to the description of the situation, the credit card account that was overdue for two years has not been repaid after repeated collections by the bank, and has now been paid off. After you pay off your credit card balance, there are usually no additional charges. The following is a detailed explanation of this conclusion:

1. Credit card overdue situation: According to the description of the problem, the cardholder's credit card has been overdue for two years. Overdue refers to failure to repay according to the repayment date agreed in the credit card contract. Overdue situations will cause the credit card account to accumulate debt.

2. Bank collection: According to the problem description, the bank has repeatedly collected collections on overdue credit card accounts, but the cardholder has not paid off the balance. The purpose of bank collection is to urge cardholders to repay in a timely manner and to take measures to ensure that the arrears are recovered as soon as possible.

3. Pay off future charges: Under normal circumstances, when the cardholder pays off the entire credit card balance, no additional charges will be incurred. Paying off the debt means completely repaying the amount owed and ending the debt relationship with the bank.

To sum up, according to the problem description, when the cardholder pays off the credit card balance, no additional fees will be incurred.

Extended information: Late repayment will have a negative impact on the cardholder’s credit record. The longer a cardholder defaults on repayment, the greater the impact on their credit history. Therefore, cardholders should repay on time within the specified repayment period to avoid overdue interest and late fees and maintain a good credit record.