-19 year old college student? Hello, I am signing up for my own cell phone plan, it had been under my moms name, (I would just pay her cash) and I was wondering what is the best way to pay for the monthly bill? I could have it automatically taken from my checking account or have it put onto my credit card. I was wondering what it the best way? I just want to make sure that it will get paid on time, every time. Thank you very much, I need the adivce. Have a good day.

check it sould cooler

If you know you'll always have the money, then have it come out of your bank account. If you use your credit card, just make sure you pay it on time and leave a very low balance so you pay very little interest. If you pay off the balance on your credit card, they'll close the account without notice because they're not making any money. That would hurt your credit score.

Use a check, if you have a discrepancy you can have it resolved before it comes out of your account. Don't trust card companies anymore myself.

Out of your checking account, although I wouldn't have it automatically taken out by enrolling in the auto-pay with the phone company (meaning I wouldn't have the phone company have access to my account) What I do is I have billpay set up and I put the address to the phone company on a list and every month at a specified time, my bank sends a check to the phone company so i'm never late......just be sure you have the money available in your account....if this is confusing talk to your bank and let them know you would like to add bill pay and they can walk you through it.

Try not to use your credit card, except for emergencies, and even then, pay it in full every month so you won't have to worry about accruing interest on your bill.

Either automatic method would be fine. Some people prefer giving a credit card or debit card number out than their bank account routing information. You can change your debit card number with a phone call--if you give your bank info to the wrong person, it causes a lot more trouble. Credit cards have better protection against fraud (usually $50 vs. $500 for a debit card and no limit for drafts directly against your checking account). Using your debit card ensures that you aren't spending money you don't have (which is really easy to do).

The choice depends a lot on you and how well you handle yourself and your finances, but if you want me to decide what a typical 19 year old college student, I'd say use the debit card, but have the checking account backed up with overdraft protection.