Why are we being penailzed for paying with a credit card?

yes, Auto pay discount is significant and it was one of the decision point we subscribe to TMOBILE. Because of this there are many customers like me would look for alternate service providers.

i recommend looking hard into them..you wont get a auto pay discount for using a CC card with V either. you have to use their own CC card. ATT still allows it from what i can tell but only on certain plans.

I spoke to tmobile rep and they suggested a way out. Setup auto pay with debit card but few days before pay the balance with visa credit card (which offers) device protection. So I have to diligently do this every month.

sundararaman66 wrote:

I spoke to tmobile rep and they suggested a way out. Setup auto pay with debit card but few days before pay the balance with visa credit card (which offers) device protection. So I have to diligently do this every month.

I highly doubt that is going to work.  Once you select to make the payment with a credit card, the autopay discount will be automatically removed.  

This is the worst policy change in the history of telecommunications.

Anybody enacting a policy to penalize people with good credit from routine payments is trying to infuriate customers.

Carriers all do this in order to drive prorated claw backs and drive customers to buy new equipment. An angry consumer consumes at double the normal ratio.

All the cellular carriers have harrassed customers into switching to drive consumer electronics sales. AT&T and Sprint will likely do the same thing next quarter.

If you switch you are being triggered. The money you lose on the monthly discount is pennies compared to proration and line swapping fees.

syaoran wrote:

sundararaman66 wrote:

I spoke to tmobile rep and they suggested a way out. Setup auto pay with debit card but few days before pay the balance with visa credit card (which offers) device protection. So I have to diligently do this every month.

I highly doubt that is going to work.  Once you select to make the payment with a credit card, the autopay discount will be automatically removed.  

It may work paying earlier with a credit card, as the total shown for payment may include the discount because of the autopay debit card.  Hope the OP lets us know if it works or not.

But I am still very apprehensive on giving T-Mobile any debit card or bank account info, because of the frequent data breaches.

What tomwil SAID ^^^^^^^

Auto withdrawals from checking have forced me to close many checking accounts because of transaction timing scams between deposits and withdrawals by the financial institution.

You risk overdraft fees and balance errors when you opt in for checking withdrawals.

Bad Idea, in my professional opinion.

Does anyone else think the punitive change in bill payment is ridiculous?  When I signed up, I could get a $10 discount if I agreed to auto pay via a credit card.  Now, T Mobile says we must give them open and unlimited access to our banking information or we lose the $10 discount.  One hacking of their system makes it possible for thieves to empty my entire bank account--something that cannot happen with a credit card.  I was told it is because of problems with rejected or closed credit card accounts. So, they punish EVERYONE for the actions of a few deadbeats?  I am actively looking around and will leave T Mobile for this arbitrary and dangerous demand.  Giving them my debit card number or banking information is far too risky in this day of professional hackers.  I hope they lose millions of customers because of this idiocy of punishing everyone for the actions of a few.

7/13/2023

I have the same concerns as my fellow T-Mobile customers regarding the restrictions on using Auto Pay payment options.

Like many of us, I called a T-Mobile CSR (Customer Service Representative) to complain.

The response was, “Credit Card fees are costing T-Mobile too much money in processing fees, so the decision was made to allow only debit card or direct bank account withdrawal. There is nothing I can do about it."

Here is a website that explains credit card fees:

Consulta: https://www.nerdwallet.com/article/small-business/credit-card-processing-fees

According to the above website, it would cost T-Mobile between $1.50 - $3.50 for one  $100.00 transaction, depending upon the credit card company.

The fees are also a business expense that T-Mobile can deduct from taxes owed.

Some banks also charge to use a debit card, which we as individuals cannot write off on our income tax due.

I can’t believe that merchants like T-Mobile don’t band together and petition the U.S. Government to demand lower fees from these banks but it’s easier to pass the cost onto the consumer.

I have an account with a credit union that allows customers to electronically send a payment from my account to a merchant. This means T-Mobile does not have direct access to the account but receives the payment when I initiate the transaction.

I’m going to contact T-Mobile and see if they are agreeable to that.

I have autopay setup for the discount. but I pay my bill before the autopay is set to come out. have done this since I set it up. saves me money and just in case I have a senior moment my bill is still paid on time