Paperless billing? Careful — nothing online is as simple as they say

Automatic bill payment. Paperless billing. Easy and secure online transaction.

They make it sound so easy — until it gets so hard.

Not that I'm bitter about spending a recent Saturday — a sun-kissed day on the eve of you-know-what's-coming — trying to change the Visa number our family has on file with various vendors.

I'm guessing millions of Americans already have done this … or soon will.

You sign up online for "auto-pay" and the next thing you know, someone has stolen your credit-card number, so you have to alert all your auto-payees that you have a new number and the old number doesn't work anymore.

Trouble is, no two vendors have the same system for changing those numbers. Their websites, in fact, are laid out willy-nilly as though nobody ever has to change his or her billing info. Click on anything labeled "credit card," for instance, and many companies will try to sell you a new credit card.

Misery loves company, and apparently I've got lots. According to something called the Identity Theft Resource Center, there have been 606 "data breaches" just this year across the U.S. commercial landscape, many involving credit-card numbers.

My most recent online damage control — yeah, I'm a repeat victim — began Oct. 1 with a cheery e-mail from Chase Fraud Alert carrying the subject line: "Your new card is on the way." It went on to explain that "a security breach at The Home Depot" had placed our Visa Mileage Plus card "at risk."

So I waited for the new plastic, dreading the chore ahead — especially because a month ago I had one of those "fat thumb" accidents that wiped out the saved passwords in my Internet browser.

(Memo to self: Write down all user names and passwords on a piece of old-fashioned paper and keep that paper somewhere where you'll remember where you put it.)

Ten days passed with no new credit card, just another e-mail from Chase saying a suspicious charge of $0.01 had been posted to our card earlier that Friday at some place called "Silhouette Hair."

Call me old-fashioned, but I still write checks and use U.S. mail … exactly for this reason!

I was told our number was being shut down. The representative then checked to see if our new card had been lost in the mail. Turned out it was never sent. Oops. So he promised to overnight it via FedEx and told me that Visa would allow one final charge on the old card so I could reclaim my 2005 Honda minivan from Meineke, where it was getting new shocks and struts.

Naturally, Visa rejected that Meineke charge. So I sheepishly paid with my Citibank debit card, drove home and waited for FedEx to deliver the new Visa on Saturday morning. That's when the real fun began.

On half our vendor accounts I gave up trying to do it online and fought through their automated phone systems to reach human beings. The never-used OnStar emergency service in my adult daughter's car? I'm letting that one slide for now — at least until my wife finds out.

So what's the moral?

For starters, vendors will keep urging us to "go paperless" so they can save on postage and pay themselves sooner rather than later. Consumers save on postage, too, while we rack up our precious airline miles and rewards. Sounds great. But until some young genius comes up with an app for easily switching card numbers, or for protecting those numbers in the first place, I'd go easy on auto-pay.