You should mean that you were fined by the bank for exceeding the repayment period and not paying off the debt.
Just pay the fine.
In fact, the bank just hopes that you can't pay the arrears, and then they can fine you and charge you interest. .
Banks generally advise you to set a minimum repayment amount of 5- 10 USD. What they want most is that you can only pay the minimum amount every month, so that they can charge you interest.
As long as you make up the arrears of the month, your reputation will not be affected at all!
Unless you don't pay the loan and fine, your credit will be affected.