Two weeks ago while I was sitting on the beach, somewhere between my credit union and Visa the auto pay that pulls my credit card payment every month got switched to the off position. This is a fact of which I was unaware until I got this month’s statement and the bill was about 2.5x what I was mentally prepared to see. After ten minutes of chasing down what happened and another 20 minutes on the line with the credit card company, I think we’ve gotten things sorted out, reversed the late charge, and paid the overdue balance.

I haven’t had something like that show up on an account since I was in broke ass college student shoveling cash out the door faster than it came in. Still, I want the record to show that I’m not blaming the credit union or the card company for this one. Sure, auto-pay is theoretically a convenience that shouldn’t just turn itself off, but my name is the one on the bill and that makes me responsible for seeing that it gets paid on time. I didn’t do that last month and wouldn’t have argued too strongly of they insisted on letting me take my lumps.

Fortunately, they were readily willing to work with me and cut me a break. I appreciate that. I guess having an account in good standing for the better part of 20 years is good for something after all.

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