I arrived home last night and found a letter from Chase with a gentle reminder that my payment was past due for my wife’s Sapphire card. I turned to my wife:
Me: You didn’t pay the bill on your Sapphire card?
Wife: No. You pay the credit cards.
Me: I pay the credit cards when I’m told they’re due. Didn’t you get a “payment due” notice from them?
Me: Why didn’t you tell me?
Wife: Because you pay the credit card bills.
Me: Right, when you tell me there’s a bill due, I pay it.
(and so on for roughly 8 minutes)
I realized the problem immediately (besides that I should’ve just apologized and gone on with my day): i’m manually managing payments on WAY too many cards. This month, for example, we will put spend on:
Wife’s Amex SPG
4 different Hawaiian Airlines cards
Wife’s Sapphire Preferred
Random USAA Visa that I have for some reason
That’s a lot of different cards to remember to pay.
Perhaps I am a complete idiot (yes) but I had never signed up for the autopay feature that Amex and Chase both offer. You can set your credit card bills to be paid automatically on a certain number of days after the end of the billing cycle.
Like I said, this may be WAY obvious. But it wasn’t obvious to me — I was just going in and paying all of these bills one-by-one. Kinda crazy. I’ve now signed up for auto-pay (you should too) and Susan and I can now go back to the perfect marital bliss we lived in prior to my not paying our credit card bills.