DOWNSIDES

Apparently once you change your autopay it takes 2 billing cycles before it takes affect...resulting in them overdrafting my account, & me accruing over draft fees because of this non-sense was on the phone with them for an hour & they did NOTHING to resolve the issue. Card is cut, will be paying off & closing account asap. This is highly inefficient amount of time for them to make a change even though they state it take 1-3 business days to process the change (which I did 15business days prior)...I was told over the phone with customer service & a supervisor that the previous autopay would be in effect for up to 2 billing cycles?!?!? Robbery!