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"Recargos" is a form of "recargo", a noun which is often translated as "surcharge". "Multas" is a form of "multar", a transitive verb which is often translated as "to fine". Learn more about the difference between "recargos" and "multas" below.
el recargo()
A masculine noun is used with masculine articles and adjectives (e.g., el hombre guapo, el sol amarillo).
1. (general)
b. extra charge
Tuve que pagar recargos por no devolver el libro a tiempo a la biblioteca.I had to pay extra charges for not returning the book to the library on time.
multar()
A transitive verb is a verb that requires a direct object (e.g., I bought a book.).