I have had two Scions and one Toyota. My payment history exceeds a decade. For all those years I have maybe had two payment problems due to money issues. Recently your recurring payments system broke. I got a formal message in the fall about the problem happening around July. I set recurring payments so I don't have to think about making a payment and since I have done that for over a decade, I give it no thought... Until I'm behind 3 payments and 86 points lower on my credit score. Thanks! ❤