for auto-billing, we cannot know when is the actual process time.. it is up to the system of the biller to process the payment.. but for my celcom bill, i can see that it will process 3 days after the billing date.. but this is still not firm.. but i dont really care because if opt for autobilling, can get 5% rebate from celcom and might get another 5% from amex.. but if you manually pay every month using amex, you need to physically go to the centre just to get the 5% rebate from amex..