<prompt> Human: In short: Best Buy messed up my regular payments, sharged me around 70 for one month being late, and is now bumping the interest rate from 0 up to 27 because of their crappy systems.Our washer and dryer were busted, thanksgiving rolls around last year, and we pick up an awesome set at 50 off, 18 months no interest. Pretty sweet, not a bad purchase, something we needed living in MN - clothes-hanger drying is not a year-round option.Anyway, with the first statement, I set up automatic payments, which over the course of the 18 months will bring it to 0 actually, I did 16 months to be safe - didnt want to get dicked. Sounds awesome, right? Scheduled every one individually because their site is so shitty they cant take an automated schedule for the 15th.So, what happens? Apparently Marchs statement prints on the 15th, so now my payment on March 15th applies to March, not to April. So, April then get a late charge. Not to be outdone, the April 15th payment then cant go through, because they now want a late payment, so that one fails as well.Which brings me to May. 70 in late fees, an email saying that 0 is now 27. I call customer service. They reverse one late fee, but say the other is my fault because Im supposed to know that scheduling a payment to occur on the same day every month will somehow get applied to random months depending on their mood. After around 45 minutes of arguing, I got all but 16 reversed.Im not sure why Im so irate - I just am. I guess why Im writing this: be super, duper careful with Best Buy financing and check every statement, even if you try to be proactive and manage it well.Best of luck, personal financers. :  <response>: I purposely avoid automatic payment schedules for reasons like this. Every pay day once every two weeks I log in to each of my various accounts and see whether a bill is available or not. If it is, I pay it.Ive gotten pretty efficient at it. It takes me about 5-10 minutes, once every two weeks. Not to mention I do it from work. And its totally worth it. All my bills are paid and usually paid very early. Also, I dont have to agree to anything that gives companies my permission to initiate electronic payments from my bank account without me entering the payments. 