Now, the principal balance doubled due to late payment penalties and other sanctions that the credit card issuer imposed in accordance with the contract.

现在，由于信用卡发行公司按照合同规定对逾期还款进行了罚款，再加上其他惩处，我所欠余额增加了一倍。

Credit risk is the likelihood that the borrower will not be able to repay the loan in accordance with the contract.

信贷风险是指借款人无法按照合同偿还贷款的可能性。