NEW YORK ( TheStreet) -- So you really want to get ahead of your debt? Then start maximizing your monthly credit card payments. Financial consumers who do that have "significantly lower delinquency rates" on not just their plastic payments, but on their mortgages and auto loan payments as well. Go in the opposite direction and pay only the minimum amount due on your credit card bill and you're more likely to experience higher loan credit payment delinquency rates. That's the takeaway from a study by TransUnion, the Chicago credit reporting agency.