No, take the initiative to contact the bank to explain that you are not maliciously overdue, and pay off the arrears in full, and will not report personal overdue bad behavior to the central bank's credit information system. However, the bank's repayment has been overdue for a long time, and repeated collection has no result. Then, overdue penalty interest and liquidated damages will increase with time, and more than one month will cause personal central bank credit information stain.