Yep see your point and agree totally on which problem they face most often likely.<p>I did talk to customer service to get an explanation of the statement since it just looked weird.  When I talked to him he did say that if the first smaller charge (50%) goes through, the system automatically tries one more charge on the same day for a lessor amount too.  He stated very matter of fact it is to try and collect as much as possible of the total due.  He didn&#x27;t say what that amount would be though.<p>I guess I am somewhat conflicted because I don&#x27;t necessarily see this practice as all bad, but it does seem to have the potential to cause a problem for the very people that are most at risk to having an overdraft charge.  After thinking about it I think you are right and it would not cause much of a problem for a traditional credit card, but for a visa debit card is where I could see the greater risk.<p>I was curious too because how we setup our monthly billing for clients is if we get a denied charge we send the client an email and let them know we will retry the charge in 3 days.   This gives them time to update their payment info if necessary or fix the issue before we retry.  That seems more standard to me with an autopay type solution.