> Why on earth would you set up auto-pay? Because it's super convenient. I resisted a long time and just had some of my accounts set to pay minimum payments, b

> Why on earth would you set up auto-pay? Because it's super convenient. I resisted a long time and just had some of my accounts set to pay minimum payments, but that got expensive when I forgot to make manual payments. Regardless, the important bit here isn't so much that he forgot autopay, it's that he didn't pay at all for 3 months.