I like auto payments for regular payments such as a gym membership of $X/month and even for payments that vary somewhat but are from pretty reliable sources (monthly utilities--maybe) but NOT for credit cards. Credit cards are all sorts of different charges every month for all sorts of things in all sorts of circumstances. You really should look over the charges each month and figure out any that don't look right. Auto payment trains you to ignore something you should train yourself to keep an eye on.