While forgetting to make a payment might seem like a pretty boneheaded move, it was actually the most common reason people gave for making a delinquent credit card payment, defined as being late by 30 days or more, according to NerdWallet’s recently released 2018 Consumer Credit Card Report. (Other common reasons given were that they needed the money to pay for essentials or for an unexpected emergency.)The ins and outs of automatic paymentsThe good news for consumers is that there is a relatively easy fix for that oversight: setting up automatic payments. Automatic payments come directly out of your bank account every month on or before the card’s due date, which means you can think about other things than remembering to transfer money.One risk with automatic payments is that if your bank account doesn’t contain enough money to cover the transfer amount, you could be charged an overdraft fee or the payment could be declined. So you’ll want to monitor your bank account closely.Some consumers also note that they prefer manual payments because it reminds them to review the charges on their card that month, a good habit to prevent fraud and errors.