I pay most of my bill through credit card auto debit. It is very easy and convenient. I no need to remember those bill due date and miss the payment. However, I still have some bills are without auto debit. I need to go online and pay for it. For some bill, the credit card processing time takes a little bit longer. The amount only showed in my credit card bill after few weeks of the transaction date. Other than that, I am very happy with the auto debit feature. It has make my life become easier.