It can come as a huge surprise to many people with spotless driving records that their car insurance rates are high — or they may be denied coverage — because they’re late with the Visa card payment a couple of times a year.What, they might ask, does my tardiness in paying Visa have to do with my car insurance?A great debateIt’s a highly debated issue, but many insurance companies and some academics feel strongly that a mediocre or bad credit rating means you’re a high risk. Man... more