Originally Posted by
Steve M
Autopay happens on the due date, which is never going to be before the day that you'd pay manually (unless you pay late, of course). Any credits that post to your account after the statement date but before the due date will reduce the auto-pay amount. "Pay in full" means the statement balance, minus any payments or credits received before the due date, which would include any interim credit issued for a disputed charge. So, nothing you mentioned is a reason to not have auto-pay turned on.
Not sure if this is new, or depends on the card, but when signing up my new cards for auto-pay you get to select when auto-pay happens.
The default used to be like 7-10 days prior to due date, but when I did this for my new Delta Reserve, you choose how many days AFTER statement closing date.
There's no option to specify:
On due date
or 1 week before
I'm not sure (will have to check my 5 amex cards) if the due date is a consistent 21 days or whatever after statement closing date.