Unfortunately, even if you’ve paid your monthly or quarterly billing installment, it’s an automated call where only if you pick up will a live account representative then take the call to discuss your options. They are unaware of any agreement that may have been authorized by themselves, their peers or supervisors, until you remind them for the 12th time in two weeks that an agreement has been settled for a payment already made (typically after you paid AFTER a deadline). The representative will not know of your record of agreement or post-deadline payment until you’re asked for your information to retrieve the appropriate records to prove that a payment was made and/or an agreement was discussed and verified. And with that being said, IF you don’t pay on or before the specified deadline, you’ll likely be “harassed” for the next month (month, quarter, etc) until your next payment is made. So yes, the earlier response about paying your bill on time is good advice—-BUT, there remains a chance that this troubling automated procedure will cause issues with potential collections, creditors, and ultimately the associated vendor (PayPal, eBay...) as it relates to future requests for credit, payments, purchases ... your good credit can tumble to bad credit and that is VERY problematic due to the typical response from representatives who exclaim with frustrated—angry customers, “we don’t know anything of a history until after we reach you, not can we turn-off this automated customer collection call until the next payment is made” ... and if you paid a day after the deadline, 29-30 days of potential harassing calls will continue and furthermore, a risk of turning you the “dark side” of what may have been good credit, to average or even worse bad credit”. This is not cool! But hey, pay your bill as soon as you can as best as you can. Good luck!