Yeap... I can see some making that mistake and maxing out their credit cards. One of my relatives could be one of them, thanksfully she does not have a credit card, only debit. She does have, though, this self imposed "pledge" that she has not been able to comply with. I mean she has the money, but for one reason or another keeps on forgetting to proceed. She has meant to make the whole donation at once and this just makes it easier for her to finally do it.
Makes me wonder if people will confuse this donation arrangement with the same they do at the local hall. If no arrangement is ever made to make electronic donations to the local hall, then this might well be a tricky move. See, if people do begin to experience the convenience of electronic donation, they may forget, or have less to donate locally. This would make the KH local account to begin drying. Then the elders would come hounding the cong because they are not making ends meet. This way, if you make an electronic, recurring donation, plus you are reminded to the commitment you made locally, its a double whammy.
Just some food for thought there. I myself have stop donating. My last donation was somewhere around the time I realized how much more unexplainable expensive the assemblies were getting. When we started having assemblies in our own assembly hall rather then renting. This was somewhat unconcious... when the new construction arrangement was made and after seeing how overpriced our Hall renovation was.. I said, enough!