There are two kinds of fines:

First, the penalty interest caused by non-timely repayment, which is also called late payment fee. This late payment fee is a kind of default.

It will be reflected in your bill. You just need to pay off the bill.

Second, the huge amount of credit card arrears is prosecuted by the bank, and the fine decided by the court depends on the execution method in the court's execution announcement. In short, the fine was not paid to the bank.

You should mean the first one.

If the penalty interest, that is, the late payment fee, is because the bank fails to provide the bill in time or fails to inform you of the bill information, you can call customer service to complain strongly and ask for a reduction.