<prompt> Human: For example, Ive gone pretty much a whole year without making a single late payment then during the past month when Ive been extremely occupied with moving, I ended up paying 3 of my cards late out of 10 or so. This isnt the first time Ive made late payments and Im pretty good with getting my cards paid on time except when things get extremely busy in life like when moving.I dont mind eating occasional late fees since Im pretty sure the rewards I earn from all of my cards will still be a net gain and Im also confident that my credit rating wont be substantially affected by being late occasionally if its less than 30 days late.Does this warrant further alarm or should I just let it go unless late fees become more chronic?Assistant: Actually you are pretty BAD at getting your cards paid on time.Set up automatic payments and never be late.Human: I did that for a while until I ended up getting overdrafts but I suppose its worth a try again. Also, most of my accounts are pretty new since I end up closing many of them right before the account starts charging an annual fee, so Im only using maybe 10 out of the 40 accounts Ive ever owned in my lifetime, which means I may have forgotten to set up the automatic payments, but I usually religiously pay them manually at two set dates every month usually the 1st and 20th unless I forget due to general overwhelm.  <response>: You can set the automatic payments to minimum to avoid late fees. Its a safety net to prevent forgetting to pay. This should be the first thing you set up after getting a new card.Continue making manual payments as usual. 