Actually, how I understood it, is how one primitive explained it(and I notice they all overlook it in the interest of their usual "it's got to be a sham job" attitudes. Anyway, *most* major credit organizations can be paid electronically, however some 2 bit outfits, probably like this dental credit thing, may have to be paid by a check through the mail, you know, the old fashioned way the dummies would probably like us to go back to so they can manipulate float and such. The problem likely came in where the dummie assumed this creditor would be accepting things the electronic way and they thought they gave it enough time, where instead, it had to be cut by check and sent via the mail. Perhaps they should blame the US gov for not getting the mail there in time
The moral of the story, unless it's a major creditor, give it time like it's going via paper check. There are still some organizations, especially as smaller companies rise from the banking ashes, the are not yet taking payment(likely because of cost) electronically, yet. A small credit account with a dentist would surely be one of those times.
I think they are going on the notion that when they write a check, it doesn't debit the account yet, however when the bank does it for you, they are basically sending guaranteed funds so it is debited automatically when it's a bank check, mail time notwithstanding, that's how it goes if you want the bank to 'write out' all of your bills for you. The dummie could solve this easy by taking down the online pay and just paying the thing by hand-written check themselves.
