mortgage adjust & auto-payment rant

just got a note from my bank that my mortgage is adjusting DOWN. Yay. My payment is going down about $50/month.

thing is, this is wells fargo and the way they set up their automatic payments is they automatically take the minimum. they've been doing the same with a credit card balance of mine. with my mortgage and home equity loans and my credit cards, I ALWAYS pay more than the minimum. that's how my original mortgage is down to $55,000. for the credit card, i was happy it was getting paid on time, but after a year, it looks like I pretty much just paid interest for a year.

UGH! i know better than this, but i'm really not looking forward to the bank calls.

encouragement appreciated.