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No. of Recommendations: 1
I expect that someone will state that they don't like having the credit card issuer "pull" payment from their account.

That would be me. Well, actually I don't like *automatic* transactions that make my money go to someone else. I prefer to manually initiate those. I don't mind automatic transactions where I pay myself, such as transfers from checking to savings or brokerage accounts. I do those with both push and pull arrangements, whichever is most convenient.

The biggest reason I don't like to pay the credit cards with a pull transaction from their web site is that I have to go to the web site on the day I want the transaction to happen. When pushing from my credit union's bill pay, I can set the transaction up when I have time, and schedule it for the appropriate future date.

"Push" transactions aren't perfect either.

True. A local bank I was test driving missed firing off some scheduled push bill payments once. It turned out not to have any financial consequences for me personally, but it was one of the reasons I stopped doing business with that bank.

The biggest concern I have with push from my credit union is always the first payment to any given vendor. I give that one an extra week, just to allow for things being slower than they ought to be. After that, scheduling two business days before the due date has worked fine.

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