自動轉帳(AUTOPAY)的好處和壞處??急[20點]

自動轉帳的好處：1.你的所有帳單會準時過數，避免你忘記交費用和遲交，而導致要交額外的附加費。
2.不用怕交漏其它帳單
3.不用專程或排隊交費
壞處：1.你要記著過數日期前戶口是否有錢，一定要有足夠的金錢，否則，過唔到數要收手續費，每張單一百元，好慘呀！
2.如果單據有問題收多了，而又過了數，你就有排追了。
3.同一日在戶口裡所有帳單一次過扣數，感覺好傷。
其實，用繳費靈最好，不用排隊和出街，坐在家裡打電話，便可以繳費，時間任你選擇，由你安排。

AUTOPAY can save time and is convenient. It can transfer money from an account from another account, for example, paying bills. The advantages of using AUTOPAY are that you can avoid forgetting to pay money and saving your time. However, the amount of money to be paid is fixed. The bank may requires extra fee if you make any changes.