After reading the shutdown thread, I decided I don't want to poke the sleeping dogs with CC bill payments. However, I'd like to pay my mortgage (and additional principal) via WMBP, since it would be cheaper than Plastiq. Is it safe/possible to pay my mortgage directly with CC at WM (plan A), or do I need an extra step, like CC -> VGC -> WMBP (plan B)? Would either plan be safe from shutdowns?