Hi smudd. I understand your concern regarding late fees when something happens to your payment method that is out of your control. Thanks for the feedback and I will be sure to pass this along. If you ever need any help, please reach out to us on Twitter at CoxHelp via DM, visit us on Facebook via private message, or email us at cox.help@cox.com. Provide us the name on the account with the complete service address with a link to this thread so we can get started. Thanks, Lisa, Cox Support Forums Moderator