<prompt> Human: I have a Visa card through a credit union that, when I use it, I tend to keep a balance on it for a few months the interest rate is ridiculously low, then Ill eventually pay it all off at once. In the mean time, I have autopay setup so it takes the minimum payment 20 out of my bank account each month so I never have to worry. Its been working like this for 8 years or so... never a problem. I got a notification today though that there was a change posted to my credit report, which turned out to be a 30 day late hit. I tracked down the account and saw that the autopayment is now turned off, with the last autopayment being 112. I very rarely use the credit union account where the money is pulled from or the credit card, so I didnt notice.Im pretty pissed that this is on my credit report now. First outright negative thing Ive ever had on there. I never received a phone call, never received a letter, just the exact same email that I get every month Your statement is ready and can be viewed at ___.Is there a chance I can get this removed from my credit report? The balance I can pay in full immediately 400, and Ill happily put this card out of commission. Id rather not spend the next 7 years angry about this though if it can be avoided.  <response>: Is there a chance I can get this removed from my credit report?You can call your credit card company and ask. Maybe they will remove it. so I never have to worryAutopay doesnt mean you never have to worry. You should be using software to keep tabs on your accounts so that youre made aware quickly if something unexpected occurs. 