This ^ I only pay the monthly billing. OG&E tries to do the same thing.Always remember. Any "payment program" created by the providing company will NEVER lose them money. It's formulated in such a way that it will ALWAYS make the company a profit in the long run. And if it doesn't, the program will quietly disappear.
I don't join any of those programs. I figure it's going to cost me more over time than just paying a monthly bill.