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I do the electronic transfer to two banks for my paycheck, but I have never set up auto pay on anything other than my mortgage. Sure it takes more time for me, but I'd like to see my bill. And sometimes I'd like to pay more. And in case there is an error in my phone bill they won't charge me automatically. I have to look at it first.
Store purchases go to my credit card for better protection, and the whole balance is paid off on the next cycle. But still not automatic.
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