After paying this ontime for several years via the web, i decided to switch to Autopay since my schedule is getting busier. I did this in January and received a call several weeks later telling me i'd missed the payment and that my interest rate went from 2+% to 25%. They did not initiate the Autopay, even though i've a confirming email and they can see in their records when i started it. All customer contact went to abrasive Indians. Was told to mail request, but it went unanswered. Two things will come out of this financial debacle: (1) a deep mistrust and dislike of banks and (2) even more dislike of India 'customer service' and the compannies that outsource to them.