The items on your credit report are called tradelines. They can either be positive or negative. Positive tradelines help your credit score and negative tradelines lower your credit score.
Making your credit card payments on time is extremely important to your credit score. Late payment fees and higher interest rates are undesired results of late credit card payments.
Too many credit inquiries can injure your credit score, this is what Credit Scholars calls an “inquiry injury”. Your credit score will suffer if you have numerous inquiries.