Yes, if you use your credit card regularly or continuing to have a balance forward amount, automating your payment transactions is a great way to ensure you pay on time to avoid late payment charges and to avoid the lender increasing your interest rates. If you cannot afford to pay off your credit card, at least enter your minimum payment amount. For making additional payments, it is easy to add more money transactions to your card, if you can afford it. By doing an automated minimum payment on the due date takes any worry of missing the due date and facing a penalty.