Lenders like clients who are slightly in debt, because they are viewed as more lucrative over the long term. Making timely payments is good. Making timely payments with a big interest component is even better, since that's how creditors make their money.

Whomever is downvoting you has never worked the back end of the financial sector. Those double-digit APYs aren't just for show. The primary goal of the business is to get you to pay them. That's why people who do pay off their loans are constantly getting notes in the mail about how their max credit is increasing and personal loans are available and please, please, please borrow more money on a longer time scale.