I have had recurring bills not go onto my card because some prick had compromised the number and tried to buy a whole lot of overseas gift cards on it.
IMO when a automatic CC doesnt go thru if the place doesnt advise you by SMS or email and let you change it they have no business charging a late payment fee. Sending a letter like spark did is so BS, particually when you get your bills by email.
I cant choose for the auto card payment to go thru a few days early to let me correct it if it fails, that is a failing in their billing system design. Again, should not charge the customer because your systems suck.
Also what is with only being able to have one card loaded? Why not a backup one. Would put my non rewards one in there as a backup so that I dont have to do a thing when the main one gets compromised.