<prompt> Human: After getting and using my AA advantage credit card I went online to set up auto pay. This was on August 9th; But the monthly auto pay was automatically set on the 5th of each month The emails I got confirming autopay did NOT make it clear. This meant that the auto pay wouldnt occur until October 5th and that I had to make a manual payment in September, which I obviously did not do since I assumed it would make the autopay for me in Sept. I got a late payment fee and my card was prevented from being charged. I have never had a problem with setting up auto pay for other cards but somehow Barclays is a very incompetent or on purpose unscrupulous in their system.  <response>: Ive made the exact same mistake. I payed it completely before making a simple phone call with an explanation and politely asking if they could remove the late fee in good faith. Had no issues and it never showed on my credit report as a late payment. 