what's up with T-mobile removing autopay discount for credit cards?

This is beyond bull puckey. 

When I switched over to you all you screwed up my order, my military discounts, and even sent phones to the wrong place. Then you didn't send out SIM cards and I had to have new ones sent - which you only sent 1 when I needed 3 sent out. 

Then when I did the autopay I agreed because I use one credit card for all my bills and make one payment at the end of the month. You are now altering an agreement that was made (you all are worse than the Empire on altering deals) and saying if I don't use a debit card instead you are going to take away the discount. This is a direct violation to your Visa Credit Agreement. You must treat all card transactions the same as cash. 

 

 Section 1. HONORING CARDS

Merchant shall honor, in accordance with the terms and conditions of this Agreement and in accordance with all MasterCard and Visa rules and regulations in existence at the time of the transaction, without discrimination, all MasterCard and Visa credit cards (“Cards”) when properly presented as payment by Merchant’s customers (“Cardholders”) in connection with bona fide legal transactions. If Merchant does not transact business with the general public (e.g., a private club), Merchant shall be deemed to have complied with this nondiscrimination rule if it honors all valid Cards of Cardholders who have purchasing privileges or Memberships with Merchant. Merchant shall not through an increase in price or otherwise, impose a surcharge on a Cardholder who elects to use a Card in lieu of payment by cash, check, or similar means. Merchant may offer discounts for the purpose of inducing payment by cash, check, or other means not involving the use of a Card, provided that the discount is offered to all prospective buyers. Merchant shall not establish minimum or maximum transaction amounts.

I have brought this up with both Visa and MC directly and they are investigating it for a violation of their merchant agreement. 

You all did this to save a buck but you will lose a lot more money when your charge card privileges' get completely revoked. Have fun going broke. 

After 13 years I am switching to Consumer Cellular. Its half the cost, same plan provsions as T-Mobilr and uses Tom and ATT cell.towers. They allow CC for auto pay discouny. TMO has forgotten who brought them to tje game.

Genesam wrote:

syaoran wrote:

That was announced months ago.  It is because credit card companies charge a service charge that is based on the percentage of every transaction, which eats into T-Mobile's revenue.  Removing the auto pay discount for credit cards negates that.  

Just because it was announced months agao doesn't mean it's right. Pathetic that they are doing this. 😥

I’m furious… will be saying BYE T-MOBILE after 20!years 

TMOB US earned 11.218B (B like in BILLION) in the last year. That's a 117.32% increase over the previous year (Source: https://www.macrotrends.net/stocks/charts/TMUS/t-mobile-us/operating-income)

They can afford the credit card service charges. 

Not at all happy with this. Switched to Tmobile from Verizon 5 months ago understanding that if I give them a credit card number I get 10.00 off every month and my cost will never go up. That final price and credit card discount deal is what swayed me to switch providers. Now they change the game after locking me into a contract for 2 years and now tell me that in order to retain my quoted price I have to give them my unprotected bank account information or pay more which they told me would never happen!!! So now I either have to pay off the phones they told me I would get for free to switch to them OR give them direct access to my bank account info to a company that doesn't care enough to even protect protect my personal info OR give into price increase that I was promised would never happen as long as I didn't change my current plan….  BAD BUSINESS!

Just called T-Mobile customer service, and the rep gave me a rather odd explanation that they are cancelling autopay with credit cards primarily because they have too many customers whose payments fail due to the customers credit card being over their limit or issues with 3rd party payment processors.

I have no idea if what she said is actually true or not, but that’s the explanation she gave.

That is not MY problem. I have a bank and a credit card that work every time for 9 years.

Like others, I thought the text from T-Mobile about the changes to autopay and requesting my checking/debit info was a phishing scam.

I don't want to put my checking account info on a 3rd party web site, and my debit card is permanently locked unless I walk into my bank and have to swipe it, which probably happens once a year at most. I got hit with debit card fraud twice several years ago, thousands drained from my bank account, both times it took over a week to get the money back from the bank and was very distressing. After that, I stopped using my debit card entirely and locked it permanently.

On top of that T-Mobile and every other major corporation including the credit reporting agencies are INCAPABLE of keeping customer data secure. They've all been hacked, despite billions of dollars of IT infrastructure and experience, so...no...there's no way I'm putting my bank info on their web site...and if my bill is going up $20 because of this, then I'm bailing on T-Mobile after 9 years. This is absolute nonsense.

If corporations would accept crypto payments, I could "autopay" my bill from MetaMask with USDC and the cost would be less than a penny on networks like Polygon or Arbitrum or Cronos. But banks and corporations want all these fees, so they continue to resist superior technology.

This is a money grab. T-Mobile has lost its way.

gramps28 wrote:

DrInvisible wrote:

I am in the same boat. Just opened account with T-Mobile 4 month ago, my choices were Mint or T-Mobile. I discussed credit card explicitly while enrolling... why?  

• With credit card I have insurance from Amex.
• I never use debit card or checking account because of security.  
• if somebody states that they would like to remove fees for credit card use… fees are not 12% they are just 2.3%

Is it even legal to violate terms of agreement during sign up?

Short answer is yes.

https://www.t-mobile.com/responsibility/legal/terms-and-conditions

did not find anything where 12% = 2.3% am I reading that right?

fireguy_6364 wrote:

DrInvisible wrote:

I am in the same boat. Just opened account with T-Mobile 4 month ago, my choices were Mint or T-Mobile. I discussed credit card explicitly while enrolling... why?  

• With credit card I have insurance from Amex.
• I never use debit card or checking account because of security.  
• if somebody states that they would like to remove fees for credit card use… fees are not 12% they are just 2.3%

Is it even legal to violate terms of agreement during sign up?

for what its worth TMO is in the process of acquiring Mint..so you would have been in the same boat no matter the choice on this one. V allows CC usage but no discount for using it unless its the Verizon CC card. ATT just lowered their discount from $10 per month per line to $5 and only with certain accounts.

Mint still works, with CC, great choice for those who moves from T-Mobile, if they prepay for a year or 15 months right now. Another option is comcast. Every company has limitation. What T-Mobile did seem wrong. 

wsjek wrote:

gramps28 wrote:

Sheilaz wrote:

This is so WRONG! After suffering *several* hacks & thefts of personal identity information because of T-Mobile's lax security T-Mo now expects me to give them access to my debit card or bank account!?! T-Mo must be CRAZY! NEVER!!!

And, yah, shopping around with other carriers… 

How many other carriers pay the plans taxes when you start looking? I'll be interested.

TMobile does NOT pay your taxes.  That's silly.  They build the taxes into the price of your plan and don't supply the detail.  So, instead of saying your plan is $55 plus $5 taxes they say your plan is $60, taxes included!  Woo!  It's marketing BS.  Don't fall for it.

It's funny since I was paying more for service on my old plan with taxes than I'm paying now for 2 lines with taxes paid Depending on where you live taxes are more than $5.

https://www.wirefly.com/guides/cell-phone-tax-by-state

I just posted an open letter to management re this up-charge on Reddit.  Please pile on and comment on Reddit since that is a much more visible/public venue, rather than this forum site T-Mobile keeps in the closet and out of public view.  It only exists to let people vent and then move along quickly to the acceptance stage.  Don't let TMobile manipulate you.

Here’s the open letter:  https://www.reddit.com/r/tmobile/comments/15fqxvh/open_letter_to_tmobile_management_re_autopay/