Today, technology affects us all, even paddlers. Many of us subscribe to auto-pay services offered by banks and credit card providers. The potential convenience offered by auto-pay is significant, but automatic payment programs are rife with issues that can lead to subscribers being left holding the bag. It is best to be informed of the potential pitfalls, and Reuters provides some insight: http://www.reuters.com/article/2015/03/12/us-money-bills-autopay-idUSKBN0M81W120150312