Today I got a statement from Bestbuy credit card which managed my HRS bank, I noticed the $25 late fee and 12 cent finance charge. I made a purchase while back for a latop and hp touchpad, but already sold it, so anyways I got the 12 months no finance charge, and so I set up with my Billpay bank which is First Niagara bank, it has been working well until today. I did some research and found a possible cause was because my bank Billpay didn’t mail it ontime or didn’t reach it ontime or bestbuy credit card just didn’t post it ontime. So I think bank Billpay might not be a good idea to pay credit card and so on, if you do use it ensure to send payment 1 week before the due date otherwise there will be possibility that it will not get paid ontime and you will get charge late fee monthly. My recommendation is to use the credit card auto pay, now a day many credit card company have that auto pay where you can pay any amount anytime automatic scheduled and off course FREE, and best of all, it will always be ontime or as you scheduled, so no worries. Stay away from bank Billpay!