[chrisfinazzo]

The last straw for me was a couple years ago, when my health insurance turned over to the new (calendar) year...and I got double billed.

OODLES OF FUN LET ME TELL YOU

At the very least it proved to me that ACH payments through my bank were terribly unreliable and never to be trusted again. Now, everything goes through a credit card, which means I'm earning a not insignificant number of points every year just to keep the ball in the air.

I get the idea that this doesn't work for everything, because processing fees are an occasionally necessary evil if you go this route, but it is infinitely less stressful knowing that if there's a screwup, I'm not (directly) involved.

Case in point, my parents had their main checking account compromised a few months back and getting everything put back together after tearing it all down was weeks of effort that probably took a couple years off someone's life.

Do. Not. Recommend.