Thanks for sharing your experience.
I'm presuming you set up an autopay for a fixed amount, not Minimum Payment?
There are three possibilities for how a bank handles autopayment with a fixed amount:
1) Take the exact autopayment regardless of the balance on the account (HD, PenFed I think also)
2) If Autopay amount is more than the prior Statement Balance, reduced by any subsequent payments or credits, then use the new [Prior Stmt Balance - Payments - Credits] to draw that. Capital One, Citi, Chase and US Bank will do this.
3) if Autopay is more than the current balance, then reduce the payment to the current balance, prior statement balance, less payments, less credits but adding in recent charges. It is possible AMEX does this, but I haven't tested to verify. Using this calculation it is possible to have a $100 autopay, prior statement of $200, pay $150 then charge $100 on the new statement cycle, and still see a $100 autopayment used to pay the account. Again, this is theoretical as I don't recall actually seeing this, but it's a plausible calculation from the text on AMEX.
With a card like HD, which you probably aren't using very often, if they have a Minimum Payment setting, that would seem to be better able to adjust your necessary payment. However, with all credit cards, it's best to simplify how many bank checking accounts you refer the autopayments to, and ensure that the bank checking account is always well-funded.
Hopefully the HD account is not affected. Good luck!
This is way too complicated for me. More and more I hear horror stories about auto pay.
1- it didn't pay!
2- it paid too much
3- it didn't pay enough
I'd rather log in and pull a payment every time, and get a confirmation number from them. Problem solved.
OP I'm glad it all worked out for you in the end.
+100 GWM 
. Feel the same.
. Feel the same.
Sorry 2 hear, this happened but I think ur ok like a previous poster said,,, I use auto pay for all my bills and have never had any problems with it ...hope all turns out well....
