what's the point of having a payment arrangement?

dragonne74 wrote:

Do you want a real answer? Because I have one for you. 
T-Mobile's payment system never updates fully right away. If you made the first payment of your arrangement before service was shut off, despite it being a day late, YOU ARE FINE. 
 

The message you received 3 hours later is something worth ignoring. This is because your payment was already made, and you fulfilled your obligation. The system just didn't fully update to recognize it yet. 
 

What you were told is FALSE. If you're late on the first payment it doesn't negate your entire payment arrangement. It simply negates the method of payment you put in for it as being "valid" so you will need to go in and manually update the method of payment for the second payment so that the payment arrangement schedule holds. 
 

Your service will NOT be shut off unless you also miss the second payment, again this is since you got the first payment completed before service disruption. (In fact, if you make ANY payment toward the first installment when it is due it will also delay suspension as the balance has not yet exceeded 30 days of being overdue - not permanently so get the remainder of the first installment paid ASAP if that ever ends up being the case). 
 

Sadly, there's a lot of confusion, even within T-Mobile customer service, on the true factors affecting service suspension when tied to a payment arrangement. They've changed the rules and policy several times since 2020 so it's no wonder you're being given such inaccurate info. But, FWIW, the information I shared comes directly from a Billing Supervisor as of 2 weeks ago, and holds true to what I've experienced. 

This should be marked as the best answer. What was marked as the best answer is completely wrong.