Forum Discussion
what's up with T-mobile removing autopay discount for credit cards?
I just literally signed up for a new plan - debit cards have fees for providers too - accessing my bank account isn’t a good approach from a security perspective (noting that T-mobile has been hacked - i wouldn’t have shared this directly with T-mobile customer service but there is not email or chat and I don’t have time for phone calls
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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.
$15.00 extra a month….. I will be leaving T-Mobile as soon as my phones are paid off! Which is gonna cost me $150.00 more than it would have before this B.S! I'm done with T-Mobile scam artists! Go F yourself's! Done!!!!!
How we stop this insanity? T-Mobile, listen to your customers!
Just turned autopay off. No one gets direct access to my bank account. That info gets on the dark web… and we know T-Mobile like many companies have had HUGE breaches… and you can get wiped out with NO recourse for recovery! I cannot believe that T-Mobile pays much over 1.25% and that would be a reduction of $1.18 for the use of a credit card. BUT since autopay is a HUGE lowering of costs over paper bills and delays in payment, why are they crabbing? I am NOT going to give T-Mobile direct access to my bank account and my best advice is for everyone to turn autopay off and let them bleed then wake up to reality. Got to your account, On the right hand side is "set up autopay" click. once that page is up you will see Autopay is on. Click on it to turn it off. That's it. You can now pay online or on your phone once you get that paper bill.
I just spoke to customer service to be sure they aren't making any exceptions to avoid losing customers and she said that they are not… just to save anyone else the hassle of having to call in. I, for one, WILL NOT give my bank account info to a company that has a shaky past with data breaches. Not to mention, losing the built-in insurance I get from the credit card I use to pay my bill. Time to shop for a new provider.
I moved 3 lines from ATT to T-Mobile because the cost was cheaper. Now without the autopay discount, I am paying almost the exact same amount. What was the point of switching T-Mobile? If it wasn't for MLB, I wouldn't have any reason to stay. At the very least you should keep your terms the same for my entire 2-year contract.
I've also read about the financial burden from customers who don't pay their bill. How can autopay with a credit card not be a benefit to customers who do pay on time? It would be a simple benefit for your customers who make you a profit.
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.
If Im going to get charged for using a cc Im just going to drop autopay and let them issue me a paper bil every month. Tmobile is cheap. How they can expect me to supply a direct line to my bank acct is absurd.
magenta8618215 wrote:
Just un-enroll from autopay. Let them mail you a paper bill and send them a check for payment. See what that does to their costs.
looking into it now. Best option so far.
My credit card offers cell phone protection, but only if I pay my monthly bill with the card. Removing the auto pay discount if paid by credit essentially removes my cell phone protection I get from my credit card. Not a fan of this at all
byronb wrote:
Just a backdoor price hike by T-Mobile! At least give us auto pay by CC customers some benefit - I know that the amount that the CC company charges you for using my card is a LOT LESS than the $15 extra you're going to charge me going forward. Given all the issues with hacking of customer accounts, it will be a cold day in h--- before I give anyone access to my bank account or debit card to make auto withdrawals. At least I can challenge fraudulent charges made to my CC… if a hacker drains my bank account because T-Mobile gets hacked, I'm stuck and I would bet a lot of cash that T-Mobile's response will be "sorry for your inconvenience"! T-Mobile - you're making it much easier for me to switch providers.
Here's a good read.
