Even tech-savvy consumers like Web designer Elsbernd are moving cautiously. Elsbernd now pays one credit card bill online that goes directly to the creditor. He tried an online service but quit after problems gaining access to the account made him miss payments to his utility company. No more licking stamps or envelopes. You can view payment history and schedule regular payments.
Some bills arrive electronically, which makes for easy payment by frequent travelers.
Most bills come by mail, requiring consumers to key them in. High monthly fees. Payments often need to be scheduled days in advance. You're out of luck when the service goes down. World Report Inc. All rights reserved.