We only have our health insurance and netflex on direct pay. As for our ultilities write checks each month and send them in by mail. As for our credit cards we pay them off each month as they come in and I am thinking of not using them as much. Either pay with cash or use debit card for purchases. We twice had a fraud charge from AT&T and we don’t use AT&T. Bank took care of it and refunded the money. Don’t know how they got hold of the card number, but it got cancelled and a new one issued.
