> If you're somewhere in the middle where you can pay more than the minimum but not the full balance, obviously you're not using autopay… That's not obvious to

> If you're somewhere in the middle where you can pay more than the minimum but not the full balance, obviously you're not using autopay… That's not obvious to me. Just because someone can pay more than the minimum balance, doesn't mean that they do. I think that's one case where autopay could cause someone to run up unnecessary interest. A person may know that they can't pay the full bill, so they set up autopay to make sure they at least pay the minimum. However, someone poor at managing their finances might have gone in to pay more than the minimum if autopay wasn't available. But since it's set to autopay, they might not bother to make any additional payments. This isn't necessarily caused by autopay, but you could argue that if autopay didn't exist, some fraction of people who are currently paying the minimum balance, might have paid down balances more quickly. I don't hav any particular evidence to support this, but it seems plausible enough to me not to be dismissed out of hand.