I use Easy Pay, Flex Pay and Value Pay. If it's something I decide to keep when I receive it, I go in and pay it off.
I could never understand why some people have trouble keeping track. There is nothing to it. The payments come out automatically. You should know how much you can pay each month. It's not that difficult.
If I decide not to pay it off, I don't even check my account because I know the amount that would be deducted monthly. I don't worry about it.