aveedibya

that's true, because a CC gives you points from its processing fee, so your reward won't be more than processing or transaction fee that CC companies earn

wow, I like your preference order thing... same for me CC seems to be most hassle-free, but then comes added fees with it for a lot of billers

It varies by billers, and how much fee they charge on using cards. I prefer autopay for billers on their website where I can add credit card and forget it (for ex. telecom and internet bills). For others, such as electric or rent bills, I prefer to pay using ACH but cannot schedule auto pay as I want to make sure I have enough balance in my bank account before making a payment. Plus, ACH has risks of NSF from both sides, which I don't like. I have tried using my bank account to directly pay bills, but not super convenient.