Be warned...Long story, LOL
I didn't use auto-pay but I manually paid to restart my plan for new minutes with my debit card. I stopped using it due to a big problem recently. I went to restart my minutes earlier this June and VM regretted to inform me that back in May my card was suspended because they thought someone was trying to hack into my account, due to suspicious activity. This "hacking" problem was really difficulties with their system as I tried to use the card back in May. I mean if there was really suspicious activity my bank would have informed me and I would have saw something in my statement. So I was pissed that VM only told me my card was suspended when I tried to restart my plan and they didn't tell me that back in May, when it first happened. (They send a text when minutes are low, or when you restart your plan, but they couldn't send me a text or email that there was a possible hacker on my account?) There also wasn't any mention of my card being suspended on the website, when I tried to restart my minutes... I had to send documents proving the card was mine and proving my identity. It was a hassle, so I'm just using the top up cards from now on. I don't trust them with my debit card from this incident and had it removed from my account. Even with this incident I'm still with the service, overall it's been pretty good and they gave me 60 free minutes because of what happened.
Oh, sorry if this sounded like a rant.