NEVER sign up for automatic payments.
Try to only sign up for month to month agreement terms.
Your heirs will thank you.
✅
Dad passed and resolving all of the auto payments meant me impersonating a 94 year old man. It worked though hard to do over the phone with a straight face ;-)
The latest thing is merchants that won’t take electronic payments (ETF). Only check by mail, or you give up your bank account numbers for monthly deduction.
Of course the check is always “late” with a $40 late fee.
I currently have a zero interest 36 month deal on a bed. The default interest rate is 40%, which starts one day after one check gets “lost” or is “late”. The only alternative is they get to debit my checking account.