One important factor in your credit score is your payment history: whether you’ve paid your bills on time, or, more importantly, whether you’ve paid your bills late. Your credit report shows how many times your payments have been 30, 60 or more than 90 days late. Any payments made by the due date are considered on time. So, as far as your credit report is concerned, it doesn’t matter whether you make a credit card payment right at the deadline or a month before the due date. It’s not late, so it’s not reported. Utilization Rate.