Well, if you renew it during the loan period, you won't be deducted. If it's overdue, you can't renew it by phone.

There is a phone behind the reader card. It seems that you can renew that loan.

If you don't return the book after the expiration date, you will be deducted when you return the book, otherwise it seems to be deducting your deposit. It will be settled when the deposit is refunded.