I don't use auto-pay from the credit card company, but I do setup my credit union to pay ~$50 to each one of my cards each month, which should meet the minimum

I don't use auto-pay from the credit card company, but I do setup my credit union to pay ~$50 to each one of my cards each month, which should meet the minimum required payment, in case I might forget. Then I manually pay off the balance of each credit card each month, sometimes more than once in a month.