cob o1 is right the biggest hassle is notifying all your accounts that you have auto pay set. I have a issue with e bay where someone ordered a harmonic balancer from Australia the source didn't pay but how he got my info is scary. Ebay says it was me and i have to pay which I won't the vender even wrote me back saying he had no records on his part and I owe nothing. Ebay still won't remove the item as unpaid. I've tried to cancel my account but due to an unresolved issue I can't. I spent over an hour on the phone with 6 different people I couldn't understand. Ebay sucks and I will get my account closed. Its amazing how someone can get your info and just screw with you.