Late payments are one of the biggest credit killers. Even one late payment can drop your score 50–100 points and stay on your report for 7 years. Setting up autopay for at least the minimum payment makes sure you never miss a due date, even if you’re busy, traveling, or forget. If you don’t want autopay, then use payment reminders: - Phone calendar alerts - Bank alerts - Credit card app notifications This helps you stay on top of all your due dates and keeps your payment history perfect, which is the #1 factor in your credit score (35%).