1. On the last repayment date, if the repayment cannot be made in full, the repayment shall be made with the minimum repayment amount. If even the minimum repayment amount is not repaid, you can charge a late fee of 5% for the unpaid part of the minimum repayment amount.

2. A bad credit record will be generated if the repayment is not made once or in full. Be sure to repay the loan before the final repayment date next month, not less than the minimum repayment amount, or in full at one time.

3. I already have a bad credit record. If it accumulates too much in the future, it will be difficult to apply for a bank credit card or this loan.