ACTUAL user. Do not use this app unless you are comfortable with late charges and creditors calling you. Do not just rely on the good reviews but see the pattern in the bad ones. Not all bills are payed the same day. Some will take up to 10 to 12 business days (happened to me twice). When it finally post it's in the form of a check (not mine) from a bank(not mine)with my signature on it (also not mine). My advice use a different app or just pay the bill yourself and save the aggravation.