I second automatic payments for the minimum as the best safety measure against late payments and associated fees.
Jun 2012 FICO® ~ 734 EQ
Sep 2012 FICO® ~ 684 EQ; 734 TU
Oct 2012 FICO® ~ TBA
Goal for 2014 ~760+
Trying to stay in the garden...but also trying to get as many apps as possible for now
