Payment history is the foundation of your CIBIL score, contributing nearly 35 percent to the total calculation. Missing even one EMI or credit card payment by 30 days can lower a 750 score to around 690, depending on your credit mix. Setting up auto-debit ensures every payment is made on time, eliminating the risk of human error. Over time, consistent timely payments create a flawless repayment record, which is the single most powerful way to build a high credit score and access lower loan interest rates.