i have always done Manual payments and not had an issue
but I read a post on this site a couple of months ago that struck home. If something happens to you medically, you may miss payments that would otherwise have been paid on time. Ie you have the funds available but just couldn't log in
so. I setup autopay on ALL my accounts for the min payment
since I still manually make payments, most of them never activate, since the minimum payment needed is zero. There are a few that still make the min amount, which is fine because it ends up being a small extra payment.
I am very comfortable with this setup. I feel covered either way.
July 31/2019. EX-712. EQ-704. TU-726 Aug 23/2019. EX-709 EQ-710 TU-731 Oct 25 2019. EX-715 EQ-712 TU-734 Nov 15 2019. EX-716 EQ-718 TU-739