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Originally Posted by Bill14564
We use autopay putting as much on a credit card as we can and then autopay the credit card payment.
I understand you don't like this and why. Fortunately, we haven't had those problems yet.
Utility bills are deducted from my bank account in order to avoid a service charge. There might be some regulation that says the utility must collect the full amount and therefore must add the service charge if there is a fee to them (like with a credit card).
My credit card provides for virtual numbers. I create one of these for each vendor. If there is any problem I can cancel the virtual number without affecting the actual account number. So far this has been unnecessary but it feels like a good safety measure.
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I do the same. Autopay from checking account for utilities as they either require that or charge a fee for credit card.
Autopay via credit card for everything else that I can to get the rewards on the credit card. Then I pay off the credit card each month. Credit card gives you an added level of safety and assistance if a recurring charge doesn’t stop.
Do watch notices though. My cell phone provider just offered a statement credit every month to switch to direct debit to a bank account from credit card. They aren’t imposing a 3% credit card fee but doing this to encourage people to shift to direct debit.