Joel,You wrote In your case, why use auto-pay? If it's just 2 charges/month with no minimum amount, why not just buy gum or $0.05 in gas twice/month?I am just concerned about forgetting to charge on it and then my 0% on the entire balance goes out the window. I obviously didn't put enough thought into this when I decided to accept this offer. I think that maybe setting up a reminder on my computer or something could help me remember to charge twice a month on it. Thanks for the input and all your calculations of what I might pay in interest. Jennifer
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