I set-up autopay. The 1st of the month is my payment day. Its now the 4th, i had to go in and manually apply the payment. So that i would not affect my credit scores. Being a creditor yourself, you would think you would know the importance of on time payments. If im late theres no exuse in your eyes. So this is unacceptable! Also, everytime i have used my card. Cancelled, once or twice. Then approved. I dont understand. My card is new, only been active since Nov, 2021. Only been used twice ever.