It's good to be responsible for your payments.
Carl has bought a car and the first payment for the car is coming up.
Carl wants to keep the car.
Carl makes sure that he pays the car before the due date.
Carl doesn't pay the car note and hides the car at his friend's house so it won't get repossessed.
Carl's credit score gets higher and higher, and he eventually pays the car off.
Carl's credit score takes a hit and the lenders take legal action against Carl.