Picture this scenario: You’re 10 minutes late for work. You do a quick stop at the AXS machine, hoping to pay off your bills before sneaking quietly into the office. There’s like one old dude in front of you. 5 minutes pass. He’s taking forever. He probably doesn’t know how to use the machine. You kinda want to help him out, but you’re already late for work, so you decide to rush to the office first, reminding yourself to pay your bill later.

Your boss yells at you for being late. Your workday gets really busy, and you spend all day fighting fires and solving other people’s problems. Your credit card bill lies forgotten at the bottom of your briefcase. You only remember it three days later, when your credit card company tells you that they’re slapping you with a late-payment charge because you didn’t pay off your bill on ...