your payment is returned unpaid the first time we present it to your bank.中文是什么?

题目

your payment is returned unpaid the first time we present it to your bank.中文是什么?
信用卡条款：returned payment fee;
$38 if your payment is returned unpaid the first time we present it to your bank.A returned payment may also result in a penalty annual percentage rate (ApR).see when the penalty ApR will apply above.这是全文，

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