Automatic Payments

Setting up automatic payments correctly can mean the difference between a perfect payment history and unnecessary late fees. This guide shows you exactly how to optimize your autopay setup for maximum credit score benefit.

Why Autopay Matters

The Strategic Autopay Setup

1. Choose Your Payment Strategy

2. Optimize Payment Timing

Advanced Strategies

Utilization Optimization

Set additional manual payments before statement closing to maintain 1-9% utilization for maximum score benefit.

Multiple Card Management

Stagger due dates across the month to smooth out cash flow and make monitoring easier.

Setting Up Autopay: Step-by-Step

1. Log into your card account

   Access through web for full features, not mobile app

2. Navigate to Payment Settings

   Usually under "Payments" or "AutoPay"

3. Select payment amount

   Choose based on your strategy above

4. Set payment date

   2-3 days before due date recommended

5. Confirm bank account

   Verify routing and account numbers

6. Enable notifications

   Set up email and text alerts

7. Review and confirm
   ✓ Due date changes (if needed)

   ✓ Payment amount settings

   ✓ Alert preferences