I pay very few things with my bank account and prefer to pay most of my bills with a credit card. Once a month the credit card is then paid off by the bank automatically. I do not have to go online to do it.
The reason why I do this is that it is easier to dispute any charges to my credit card account and, like most credit cards, I get a cash back with every payment. Basically I am saving money by using the credit card, and paying it off every month, instead of using my bank account for the individual payments. Your private hotspot is very secure.