i never get late fees. i mean i always pay my bills on time is what im saying. i dont do auto pay because im on disability (fixed income). i have to spend that money elsewhere besides bills and i may not have that money for them to automatically pull out and i may get an overdraft fee on my banking acct which is worse than a late fee on a bill. on certain bills anyway. but i always pay my bills on time. i put them on my calender to pay. or write them down. or have a reminder on my phone. or something but i never do autopay. if i did autopay i would be in so much debt. some bills allow a certain amount of time in which in you have to get a bill in past the deadline.