Maybe it starts from a lazy moment to make installment payments in the middle of the process. The reasons are various, such as delaying the time of payment or installment funds are used first to meet other needs. If so, you could be fined for not making payments on time. The value of installments that must be paid in the following month eventually jumps and is getting heavier to be paid. If such conditions continue, laziness can turn into disaster. The ability to pay installments will get smaller and eventually put you in a bad credit position.