Is there any loss if I want to refund the train ticket?

More than 48 hours before driving, a refund fee of 5[%] of the fare will be charged<br/>For more than 24 hours and less than 48 hours before driving, a refund fee of 10[%] of the fare will be charged<br/> For refunds within 24 hours, the refund fee is 20[%]<br/>When passengers request a refund, they can go to any station before the departure time specified on the ticket

Refunds will be charged a handling fee...