Also auto pay frequently breaks or works inconsistently and then you miss payments
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As a non-usian, in a tweet size, how does auto pay break, and how does it work in theory?
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"One reason: People want to self direct when paying bills." Nailed it!

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People still want the final say on timing...the control.
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Got it in one.
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This would work but only for the people with one or two bank accounts or a few bills; having 8 bank accounts, 40+ credit cards that categories change quarterly and other regular bills this just seems like a nightmare
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