<prompt> Human: I have a Redcard and tried signing up for auto pay online. I thought my auto pay went through because a representative confirmed that it went through, but two months later I got a late notice fee and when I called customer service again, they said they have no record of me signing up for auto pay and that I would need to pay for all the late fees. At this point my 100 balance accrued late fees so I owed a little over 200. I just wanted to cancel the card at that point, so I payed off the balance completely so I wouldnt have to worry about it. A month later I got another email for a missed payment and looked at my account and saw my full payment was returned but they NEVER notified me of a returned payment - I even checked my email. Now my 100 balance is over 300 and Im really worried because Im just a college student and I dont want my credit ruined. What are my options at this point?  <response>: Call Redcard and your bank and ask why the payment was returned so that you can resolve the problem and pay the account in full ASAP. Ask Redcard to waive some or all of the late fees because you have proof that you attempted to make the payment previously. In the future, monitor your accounts more closely, and keep some type of bank ledger so that you see within a few days if a payment that you scheduled doesnt post, or is returned. 