00:00F*** auto pay.
00:01Sure f*** auto pay, but have it on just in case you f*** up and you f***ed up and then you owe it a f*** fee.
00:05So f*** auto pay f*** you, you're not responsible, you're not a dollar, you're a 29 year old baby.
00:10C'mon, c'mon.
00:11But I don't like auto pay because I like to physically pay my bills.
00:15Great, but I have auto pay set up just in case you forget to.
00:18Doesn't auto pay still take it out if you pay it?
00:20Huh?
00:21They set it up on a certain way.
00:22You have a statement balance payoff, you have automatic pay for the minimum payment due.
00:26If you have it on the minimum monthly due and you already make a payment that is covering the minimum payment due, you likely won't have to cover that.
00:31If you have a statement balance due, it'll probably take the full statement balance.
00:34There's a lot of different ways you can set it up.
00:36Some things are card dependent.
00:37Just take a look at it instead of paying $30.
00:39Why pay $30 to have access to this card for a month?
00:42That's what you just did.
00:43Right, but if my, say my bills due on the 10th, but I paid on the first, but auto pay is going to ding on the 10th.
00:49Am I paying that card twice?
00:51I don't think so.
00:52See, that's what I don't know.
00:52That's why I don't do auto pay.
00:53With that card, I don't, yeah, you haven't looked.
00:56It's because I don't like auto pay.
00:57It scares me.
00:58You like $30 fees.
00:59One time.
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