FYI for those with auto pay minimum on Target cards

[Anonymous]

If you want to avoid them taking your auto pay even though you manually paid the card, go to the website, hit menu, hit payments, and hit manage auto pay. There is a button that says suspend auto pay. If you hit that, it will skip your next auto pay and then reinstate the next month. 

I hate cards that take your auto pay after you already paid (it's the one issue I have with my AOD card) so it's nice to see that Target actually does have the ability to skip the auto pay in these situations like Capital One does. I was going to axe the card over it since paying the card before the statement cuts is said to affect your ability to get a CLI from them and I didn't want to be stuck with an $800 limit forever but I was going to remove my auto pay for this cycle and happened to see that button. 

Hope this helps someone else!

[Loquat]

Nice to be able to go in and suspend the payment. But for me, most of the cards that I use that would trigger the auto minimum payment are cards I use in a regular basis so even if the auto payment hits for the minimum it’s not a big deal because most are daily drivers anyway.

But I do agree it would be nice is Citi would stop the auto payment once the minimum has been satisfied.

[Kforce]

Push all your payments ??

[kdm31091]

If you have to log in and fiddle with settings like that then I wouldn't even bother with autopay on that card. You're logging in anyway. May as well just pay it instead of having to deal with the annoyances.

[sxa001]

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@kdm31091 wrote:

If you have to log in and fiddle with settings like that then I wouldn't even bother with autopay on that card. You're logging in anyway. May as well just pay it instead of having to deal with the annoyances.

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I keep auto-pay has a back-up method in the event that I forget to log in and pay an account.  I has only happened twice in the last 5 years and luckily I remember the next day or two and both times the late fees were waived; however, it led me to do the auto-pay thing.  With CapitalOne I am often suspending the auto-pay so good to know I can with Target if I did decide to get their card in the future. 

I am thinking about getting the AOD card, so bummer to hear it is this way.  With that said, it will likely be my daily driver so it won't matter so much if an extra payment happened. 

[Anonymous]

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@kdm31091 wrote:

If you have to log in and fiddle with settings like that then I wouldn't even bother with autopay on that card. You're logging in anyway. May as well just pay it instead of having to deal with the annoyances.

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I set it to autopay the minimum in case something happens and for whatever reason I can't or don't pay it myself. It messes up my budgeting having a bunch of cards hit me for extra money. I worked around it with AOD by just budgeting in that I'm going to have an extra $25 come out each month but I don't use my Target, Citi, or Capital One cards every month and when I do use Capital One or Citi, I'll just pay them before the statement cuts anyway. 

I'll edit the subject so it was autopay minimum.