Originally Posted by
TominLazybrook
OK. Gotcha on the autopay. That being said, its kind of crazy for a card to assume that people will just autopay.
So lets be clear here. The consensus around here is that Chase Sapphire is really only for people who autopay. Noted.
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I don't think you get it yet. I wouldn't recommend anyone to rely on auto pay 100%. You should still log in and make your payment manually. This is just a way to make sure you stay out of the situation you are currently in. That situation is having your account shut down and late payment fees, not to mention possible blemishes to your credit report.
To rely on auto pay completely is not good for a couple of reasons:
1) if you have it set to pay the minimum payment you will incur interest for having not paid your balance in full.
2) if you have it set to pay your balance in full, and you don't record the transaction, it's possible to over draw your payment account which can be even more expensive if it causes other payments to be denied.
Basically what happened to you is entirely your fault, not the weather's. When you wait until the last minute to take care of business, sometimes "stuff" happens.