This morning I had a banking scare. My called me and said my visa card hasn't been paid in several months and had $3000.00 on it.

My old visa was on automatic payment. When I lost my card last August, the new card didn't show up on web banking and didn't get automatically paid.

When the bank realized that the problem was half their fault (for not adding the visa to my web banking) and half my fault for being careless, they credited me for the interest and late fees.