<prompt> Human: I have a credit card that I rarely use. However it is attached to both my apple music and netflix accounts, so the card is automatically charged approximately 20 each month.Once or twice, I have forgotten to pay the minimum.. which I know is bad for my credit score.Would there be any disadvantage to overpaying the card? I.e. paying 120 instead of 20 this month, so that I dont have to worry about it for the next 5 months?  <response>: Why cant you just set up an autopayment, so the balance is automatically paid each month? Then you wont forget. 