Johanna says: April 18, 2010 at 7:42 am Back in the days before online bill paying (or at least, before it was available to me), I used to prepay my phone bill by several months on purpose. (So if my typical bill was $20, I might pay $100 at a time, and then get a negative bill for the next 3-4 months.) I figured that whatever interest or other benefits I lost by not having the money in my account