As you would expect, lenders want to have the credit they give to you paid back, on time, with interest. It's how they make money. If you are not paying your bills on time, the credit card companies are not happy, and they in turn can have a huge impact on your credit score.
Debt repayment accounts for about a third of your credit score. Paying your bills on time is crucial to keeping your credit score healthy, or improving it over time. Some things to keep in mind: