Maybe I shouldn’t be as pissed as I am but, for me, I like using my Apple card for autopay because I get 3% back with T-Mobile charges. What I like to do is use my CCs to max my rewards / cash back and then pay off my card each month.
Maybe I’m overreacting, but I’m not happy about this. Of course I don’t want to pay an additional $40 a month on my phone bill so yes, I’m switching autopay to a Privacy card, but F—, man.
Okay, I’m done lol
Edit 6/6/1023: So I made a new virtual card but when I add it to my T-Mobile account the site adds it and says it’s not supported for the discount. They’re going to force me to enter a physical debit card or bank account or pay an additional $40/month.
T-Mobile really has been sucking with their service strength in NY. But they’re doing very well at driving me crazy.
Im not happy having to give my debit card. T Mobile keeps having data breaches and I’m not going to give up the safety of using a credit card. May be looking for a new carrier soon.
Eww yeah their whole data infrastructure is sketchy af. I used them in the past (just in time to make sure all my data was in their hands when it was breached) and doing simple billing changes were way more confusing than it should have been because their whole system is like a decade behind.
A big reason I use credit cards for payments is the protection I get when things go wrong. Charge up my card and I can dispute, charge up my bank account and I’m out that money until the bank resolves the issue.
I’m not defending T-Mobile, but you just outlined why they are making this change. People are abusing the system by disputing charges valid or otherwise. Banks require a higher burden of proof to return funds, where most credit cards will immediately revoke the money from the merchant if you file a dispute and it might cost the merchant more to fight it than to just let it go.
Again not defending T-Mobile, they do have a bad track record with data privacy and could have handled this in a different way. For example, being able to use a credit card for auto pay could be a loyalty bonus for long term customers or after completing a certain number of on time payments. Another option that could be good for T-Mobile and customers would be to partner with a Credit Card provider to offer a card with cash back perks. T-Mobile could work with the provider to tweak the dispute terms more in their favor and the customer could get a cash rewards card and wireless service with a single credit check.
How do you know they are doing this because people are abusing charge backs? It doesn’t really make sense to me in the context of auto payment on a phone bill where there’s a contract and pattern of regular payments.
This looks like a scam text message asking for banking information. Is that hyperlink going to a true T-Mobile website?
This this this.
Don’t interact with this message!
Go straight to T-Mobile.com. Check your account for any messages like this.
I haven’t heard of this at all for anyone, including myself. T-Mobile and Apple have a deal for Apple Card to be used for that 3 percent on service payments. Why would they randomly change it without warning or publication
I’ve linked my debit card for auto-pay but I manually pay with my credit card before the due date and by doing so I get the auto-pay discount and as well as the credit card cashback.
Xfinity is doing the same shit. I keep getting emails “reminding” me. I’m not sure what difference it makes to either company. I’m not so much mad as annoyed.
Credit cards charge the companies fees. Your $100 bill payment might only be $98 once it gets to them, because Visa/MC/etc took $2. But most importantly, it strips away any protection you have against incorrect charges. With a credit card on file, you can dispute charges, even demand a charge-back. But with a debit card or bank transfer? Your money is gone, too bad for you.
You can absolutely dispute incorrect debit card transactions and receive your money back. Here’s instructions for Chase Bank for example: https://www.chase.com/digital/customer-service/helpful-tips/personal-banking/desktop/dispute-transaction It’s just that the time limits for reporting are tighter - 60 days for Chase debit IIRC.
I do not link my bank account to vendors like this. Discounts aren’t worth it, in time cost alone, when something goes wrong and you have to recoup your money.
I’ll autopay off a CC and pay that. Or pay monthly manually. Those are the choices, full stop.
It’s easier to handle fraud or theft with a CC who hasn’t gotten their money yet.
T-Mobile doesn’t even let me setup auto pay. I’m a Sprint customer that got converted. Sprint app no longer works, T-Mobile doesn’t recognize me.
I still get the removed but it makes me pay manually, using the short code from the phone app… And since I can’t see it get into the account, can’t pay off or buy my current phone.
Once I get time off near August I hope to deal with that. And after, may just switch to something like mint. Hardly use any data, text, or talk, just needed phone financing and insurance.