you should manually set your payments every month ANYWAY....those looking to "set and forget" their CC bills are just ASKING for trouble. If theres a disputed charge, you dont want to have it autopay the bill in full.

Dont be so lazy that you cant be bothered to first review your bills, then pay your bills.

if you do monitor accounts regularly, I cant imagine its that much more difficult to go into MBNA and mannually set a pay in full amount for each cc bill every month, for free? I only have to schedule the billpays about twice a month, Im paying dozens of cc bills with it.

That's exactly right, Mark.

As you said, it's not a lot of work, but it's one less thing to worry about. And when I get caught up in work, I tend to forget.

One other problem - and I faced this- when I used to use checkfree.com. I misplaced the decimal point, once. Unless traditional check writing, there is always a small possibility of error when you need to do this manually.

Third, with Paytrust, you can see all your bills from all your payees (upto an year back) at one place. Makes it very convenient, when you want to see one of your bills that you paid, 3 or 4 months back.

And yes, you can auto-pay the rent and you get to keep the float till the check is encashed.

opmnxtc said:

5. now that boa owns mbna, have any features been removed or changed? is it still free?



In fact, I am waiting for the BofA polite approach, shown before,when they treated you like "the customer who is always right". I am waiting for the MBNA loophole "overuse" problems to disappear completely.

Or am I too optimistic?

Can the Fideltiy 1.5% card be used as a billpay funds source?

I know it can't by itself, but I read somewhere that it can if you already have an MBNA card that allows billpay.

7:30am EST :
"We apologize; the server is temporarily unavailable.
Please try again later."

Down for at least an hour. I could understand if was 12am-4am.

SUCKISSTAPLES said:if you do monitor accounts regularly, I cant imagine its that much more difficult to go into MBNA and mannually set a pay in full amount for each cc bill every month, for free? I only have to schedule the billpays about twice a month, Im paying dozens of cc bills with it.

One of the reasons I have not yet tried a large-scale AOR is because I am terribly afraid--with so many bills to track--I will forget to make one payment, and the whole scheme will come crashing down. My real job can get too busy at times to check for bills every day.

I assume using MBNA with auto cc payments helps.

Do you guys, with dozens of cards, have any other techniques/tips to help simplify/minimize the monthly payment process?

rehr0001 said:yes, it can, I've been using the fidelity card for billpay for a few months now.

But you still don't earn rewards on it, right?

I've been using my Merrill+ card with it - but I have another MBNA World Points card (well just expired, new one says BOA) so I hadn't tried it without having another MBNA account.

Xeon852 said:rehr0001 said:yes, it can, I've been using the fidelity card for billpay for a few months now.

But you still don't earn rewards on it, right?


Only "in-network" merchants will earn points on billpay. I have yet to see an in-network merchant, see my question above.

mhesidence said:
Only "in-network" merchants will earn points on billpay. I have yet to see an in-network merchant, see my question above.

I have been using billpay through my last 3 residences (changing elctric, gas & phone companies every time) and I have yet to see an in-network merchant. I imagine there must be a couple though, just so they can claim that you can get rewards by paying your bills through them.