paula, i have the same problem! had to put all my credit cards on autopay and even so have missed some communication that allowed one of them to more than double my interest rate -also, they change one's minimum payment and one's due date without warning, so it is really necessary to at least check in on line every month. i do try to open what i can force myself to, but there is currently a several-inch-tall pile staring me in the face... unfortunately, there is no one to take this over for me. oh well.