Have you checked you CCRIS account by now? Did you get a 1?

In my previous car instalment, I didn't set up auto debit and remembered the date wrong, had been a couple of days late in the last few years of the instalment. I was not aware until I went to the bank to settle the remaining loan early, was fined like RM 50 or something, but it didn't affect my CRRIS, I got a house loan approved during that period.