Auto Pay with credit cards ends

  • 17 February 2023
  • 35 replies
  • 6064 views

Userlevel 7
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Tmobile is ending Autopay with credit cards starting in May. This is a bad PR move l with all the data breached. Who would with a sound mind link their bank account to autopay?

https://tmo.report/2023/02/t-mobile-is-planning-to-end-autopay-discount-for-these-customers/


35 replies

Userlevel 7
Badge +16

Tmobile is ending Autopay with credit cards starting in May. This is a bad PR move l with all the data breached. Who would with a sound mind link their bank account to autopay?

https://tmo.report/2023/02/t-mobile-is-planning-to-end-autopay-discount-for-these-customers/

I am on a very tight fixed income. Will NOT provide anyone access to my bank account. Loosing the auto pay discount hurts my budget significantly. Just another way to screw Seniors over. I've been with T Mobile forever. (Since mid '90's) Looking into changing.

cool

 

ATT still allows you to receive a discount for using CC cards..V does not. you must use their own CC card..so looks like you’ll be headed towards ATT or one of their affiliates

Tmobile is ending Autopay with credit cards starting in May. This is a bad PR move l with all the data breached. Who would with a sound mind link their bank account to autopay?

https://tmo.report/2023/02/t-mobile-is-planning-to-end-autopay-discount-for-these-customers/

I am on a very tight fixed income. Will NOT provide anyone access to my bank account. Loosing the auto pay discount hurts my budget significantly. Just another way to screw Seniors over. I've been with T Mobile forever. (Since mid '90's) Looking into changing.

I decided to forfeit the discount because I have been hacked from several large companies.  I feel like putting charges on a credit card is the best defense that I have.

Userlevel 7
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Not Verizon, they took this away a while ago. Not sure about AT&T.

AT&T allows autopay with credit cards as of 8/30/23

yeah they just changed from $10 per line to $5 per line.

Not Verizon, they took this away a while ago. Not sure about AT&T.

AT&T allows autopay with credit cards as of 8/30/23

Userlevel 1
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Not happy with this move.

 

K

Userlevel 7
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bank account which would be tied to your debti card.

 

i have never used it but you cant set up auto pay through it? i would think most would have things set up like gas/electric etc.

 

 

see now its getting more interesting..V lets you use a CC card and get the discount but its their own CC card..i was seeing this over on their site all the way back to 2014 (got tired of looking at their threads by that point lol). so is that going to be in TMOs future? their own CC card?

im a bit curious as to how the bank payment option would work or not work. i know through Chase i have a bill pay option in there..wondering if this has some kind of protection guarantee or additional security compared to just adding bank info or a debit card?

 

When you refer to Chase, do you mean their Credit Card Product, or their Bank Account Product? If you do regular banking with Chase, and you are referring to a bill pay option where you initiate the payment (even if scheduled to “Automatically” pay), then this does not qualify for the TMO discount because you initiated the payment. TMO wants to be able to pull from your account, not have it pushed to them. It’s getting riskier by the week.

Userlevel 7
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im a bit curious as to how the bank payment option would work or not work. i know through Chase i have a bill pay option in there..wondering if this has some kind of protection guarantee or additional security compared to just adding bank info or a debit card?

Userlevel 7
Badge +14

Same thing here. We just got the notice via Text from TMO that they would charge extra now if continued with CC. We have a 2 line deal MAG55+ and where part of that massive data breach not too long ago. The only thing/appology from TMO was not the extra apple tv service or else ( as we where not eligible for those with our contract), but a link to teach me how to protect my Data…haha adding insult to injury … I know how to do that ( just made the mistake to trust TMO with it) . it seems they are in need of a crash course concerning Customer data. As for what now… not sure, rather pay the extra $10 for both lines and perhaps move to Mint Mobile , which i am sure has its drawsbacks too.

Tmobile is in talks to purchase Mint Mobile. Mint Mobile is an MNVO and doesn't get all the roaming agreements that Tmobile has. Also they're depriorized when bandwidth is overloaded.

Same thing here. We just got the notice via Text from TMO that they would charge extra now if continued with CC. We have a 2 line deal MAG55+ and where part of that massive data breach not too long ago. The only thing/appology from TMO was not the extra apple tv service or else ( as we where not eligible for those with our contract), but a link to teach me how to protect my Data…haha adding insult to injury … I know how to do that ( just made the mistake to trust TMO with it) . it seems they are in need of a crash course concerning Customer data. As for what now… not sure, rather pay the extra $10 for both lines and perhaps move to Mint Mobile , which i am sure has its drawsbacks too.

Userlevel 1

I agree CaptCrunchWhistle2600. I am very willing to forgo any rewards associated with paying with a credit card, but giving my debit card to them is worrisome given their consecutive breach history. You know how many bad actors, internal & external, are ecstatic right now knowing millions of direct links to checking accounts will be available. Their is a huge degree of protection with credit cards versus debit/checking accounts, which funds become unrecoverable. My daughter got hit for for a couple grand in one day because she used her card at target. Bad actors had a blank card….no name, no text nothing...that was a clone from a data breach for a in store purchase. So now we have to start searching for a new carrier, which is a pain. Regretfully,  the lack of autopay discount has put T-mobile rates close to other carriers now. Sad to see really, but I just cant trust them with a direct link to our checking account. Like some above mentioned, we have to vote with our wallet.

I do hope this thread gets monitored by TMobile employees.

TMobile: If your company hadn’t allowed an egregious number of data breaches in such a short period of time, I wouldn’t be as concerned.

But your responsibility to your customers is to protect the information that we willingly gave you, instead of using it as a ransom (at a rate increase of $5/month per line).

You have failed in that responsibility. Therefore, you should allow credit card payments until you have a proven track record of not allowing data breaches - at least for the same amount of time that companies tend to offer credit-data monitoring for people impacted by said breaches: 2 years.

Userlevel 6
Badge +9

The way Customer Service explained this to me there is a “go around”.  I’m not positive the person knew the truth so anyone else - please chime in.

As long as you “set up” autopay to a bank account, you can make your payment via a credit card ahead of the auto pay date and you are ok.

Has anyone else gotten this reply?

I’ll do it if it saves me the discount.  Takes one minute to pay.

 

Not sure if it will work until tried, but even if that credit card method gives you the discount, you are still exposing your banking info to T-Mobile known for several data breaches.

 

The way Customer Service explained this to me there is a “go around”.  I’m not positive the person knew the truth so anyone else - please chime in.

 

As long as you “set up” autopay to a bank account, you can make your payment via a credit card ahead of the auto pay date and you are ok.

Has anyone else gotten this reply?

I’ll do it if it saves me the discount.  Takes one minute to pay.

 

Mackey  

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  1. They are not ending autopay with credit cards.  They are requiring debit card or ACH info in order to receive the $5/line AutoPay discount.  If you dont mind paying $5 more per line, you can continue paying them whatever way you currently pay them.
  2. If the security issue bothers you, just open a second account somewhere that will give you a debit card at no charge - there are options out there, including Tmobile’s own MONEY service.  Personally, I just opened a free Fidelity Cash Management account, with no monthly minimums, no charges, and a free Debit card.  I’ll use it just for T-Mobile and keep my regular banking separate
  3. If none of the above makes you happy, you’re free to vote with your wallet and go someplace else.  Keep in mind that Verizon started this a few years ago, T-Mobile is following.. You can probably expect other companies inlcuding AT&T to start doing the same - companies are going to discontinue offering discounts for something that costs them more money, and unfortunately this trend is likely going to continue.

Bro. You literally just detailed how you spent half a day to set something up so you can continue to get the same thing you used to get for free. It’s disgusting to be lied about my bill never going up. I used to love T-Mobile. This is so lame.

Userlevel 7
Badge +16

Why not just have them send you a paper bill and then pay by check (or bank bill pay).  See how much extra that costs them.

because when your payment doesnt make it due to whatever reason (the usual snail mail isssues) it ends up being YOUR issue and not theirs. 

Why not just have them send you a paper bill and then pay by check (or bank bill pay).  See how much extra that costs them.

Chaotic good, I like it!

Userlevel 5

Why not just have them send you a paper bill and then pay by check (or bank bill pay).  See how much extra that costs them.

  1. They are not ending autopay with credit cards.  They are requiring debit card or ACH info in order to receive the $5/line AutoPay discount.  If you dont mind paying $5 more per line, you can continue paying them whatever way you currently pay them.
  2. If the security issue bothers you, just open a second account somewhere that will give you a debit card at no charge - there are options out there, including Tmobile’s own MONEY service.  Personally, I just opened a free Fidelity Cash Management account, with no monthly minimums, no charges, and a free Debit card.  I’ll use it just for T-Mobile and keep my regular banking separate
  3. If none of the above makes you happy, you’re free to vote with your wallet and go someplace else.  Keep in mind that Verizon started this a few years ago, T-Mobile is following.. You can probably expect other companies inlcuding AT&T to start doing the same - companies are going to discontinue offering discounts for something that costs them more money, and unfortunately this trend is likely going to continue.

Rny71, thank you so much for the free Fidelity cash management information. That sounds like the best way to go!

I have also confirmed with T-Force, that you can not use your Debit Card as a Credit Card, so all credit card protections are out, most likely they will require your “Pin” to make the purchase. 

 

Debit card PIN cannot be used for online or telephone purchases.. It can only be used for in-person transactions, and only entered by the cardholder on a device - not verbally communicated to a person.  Card processing networks know the difference between credit and debit cards..  Your bank has guidelines for what protections apply when using their debit card for anything (its not “all credit card protections are out”)

 

I have also confirmed with T-Force, that you can not use your Debit Card as a Credit Card, so all credit card protections are out, most likely they will require your “Pin” to make the purchase.  I closed my T-Money account 2 years ago when they cut the perks for interest earned and increased the number of charges require(so t-mobile can get its interest from its money card and bank fees using it as a credit card, but they don’t want to pay it to others.) 

I will not be giving tmobile my bank account information nor my debit card pin number for an EFT.

I will most likely be going to google fi or possibly mint mobile and go back to prepay, I was prepay before I came to tmobile 7 years ago for the all in one plus promo, insider hookup, and kickback promotions, which I got screwed out of 2 years ago and ended up on a magenta military 2.0 plan. and Google Fi 10 lines simple unlimited is cheaper than 10 lines on Magenta Military(not max) with having to pay $40 more for losing the autopay discount. and google will always accept “google pay” for there service.

Userlevel 2
  1. If the security issue bothers you, just open a second account somewhere that will give you a debit card at no charge - there are options out there, including Tmobile’s own MONEY service.  Personally, I just opened a free Fidelity Cash Management account, with no monthly minimums, no charges, and a free Debit card.  I’ll use it just for T-Mobile and keep my regular banking separate

Good suggestion. I will continue with CC auto-pay, however. 

Userlevel 3
Badge +3

Okay understood to get a discount.  Yes, no discount for me,  but the one time payments initiated by me, once a month from my bank is worth the extra cost for me.  Good luck.  

  1. They are not ending autopay with credit cards.  They are requiring debit card or ACH info in order to receive the $5/line AutoPay discount.  If you dont mind paying $5 more per line, you can continue paying them whatever way you currently pay them.
  2. If the security issue bothers you, just open a second account somewhere that will give you a debit card at no charge - there are options out there, including Tmobile’s own MONEY service.  Personally, I just opened a free Fidelity Cash Management account, with no monthly minimums, no charges, and a free Debit card.  I’ll use it just for T-Mobile and keep my regular banking separate
  3. If none of the above makes you happy, you’re free to vote with your wallet and go someplace else.  Keep in mind that Verizon started this a few years ago, T-Mobile is following.. You can probably expect other companies inlcuding AT&T to start doing the same - companies are going to discontinue offering discounts for something that costs them more money, and unfortunately this trend is likely going to continue.

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