Also, I think it would be a good idea to sign up for the online bill pay they are offering. You will still need to make the payment a day or two before your due date, however, but it certainly beats paying $10-15 when you're running close to the deadline.

Let me expand on this a bit. Paying on-line by directly drafting your checking account is convenient, but under no circumstances make it an automated process. Do not give the CC company the rights to go in an take out money without your per-transaction permission. This means you still have the responsibility of remembering when the due date is, going to their web site, and executing a demand payment draft. If saving 37 cents is that important, go for it.

I do this all the time, but the only time I give anyone the right to auto-deduct money from my account is when my CU pulls bi-weekly car payments. And even those are timed so that the Friday before my employer direct-deposits the payment into the checking account used soley for that purpose (I actually have pay deposited into 4 accounts: Vacation savings, Investment Savings, and regular checking).