this post was submitted on 04 Jul 2023
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Mildly Infuriating

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Maybe I shouldn’t be as pissed as I am but, for me, I like using my Apple card for autopay because I get 3% back with T-Mobile charges. What I like to do is use my CCs to max my rewards / cash back and then pay off my card each month.

Maybe I'm overreacting, but I’m not happy about this. Of course I don’t want to pay an additional $40 a month on my phone bill so yes, I’m switching autopay to a Privacy card, but F—, man.

Okay, I’m done lol

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[–] [email protected] 69 points 1 year ago (5 children)

This looks like a scam text message asking for banking information. Is that hyperlink going to a true T-Mobile website?

[–] [email protected] 38 points 1 year ago (3 children)

This this this.

Don’t interact with this message!

Go straight to T-Mobile.com. Check your account for any messages like this.

I haven’t heard of this at all for anyone, including myself. T-Mobile and Apple have a deal for Apple Card to be used for that 3 percent on service payments. Why would they randomly change it without warning or publication

[–] [email protected] 9 points 1 year ago* (last edited 1 year ago)

I confirmed it with a store representative when I switched around a month or so ago. You only get the AutoPay discount with a debit card now. It was effective immediately for new customers and is now rolling out to existing customers.

[–] [email protected] 3 points 1 year ago

I've been getting the same texts. And emails. And a banner across the top of their website.

Although, it's only $10 for me, not $40.

[–] [email protected] 17 points 1 year ago* (last edited 1 year ago)

It's legit. T-mo.co is their shortlink domain and 456 is the shortcode they send from.

Edit:

https://www.tmonews.com/2023/06/t-mobile-reminds-customers-of-autopay-changes-via-sms/

[–] [email protected] 7 points 1 year ago

This isn’t a scam message. I received the same message a few days ago, different date due to billing cycle differences. This is the same thread that confirms my automatic payment has been received.

[–] [email protected] 5 points 1 year ago

The change is real, there's a bunch of news articles about it. I still wouldn't click the link though and go to the website manually to change it

[–] [email protected] 4 points 1 year ago

I would prefer that, unfortunately, it is real.

[–] [email protected] 36 points 1 year ago (5 children)

Im not happy having to give my debit card. T Mobile keeps having data breaches and I’m not going to give up the safety of using a credit card. May be looking for a new carrier soon.

[–] [email protected] 10 points 1 year ago

This is exactly why I am pissed about this. T-Mobile has been hacked over and over again, they can not be trusted with my bank info. In the time I've been a customer my data has been stolen at least 3 times. Giving them your actual bank info instead of a credit card is a terrible idea, they are not competent enough to keep it secure.

[–] [email protected] 9 points 1 year ago

Eww yeah their whole data infrastructure is sketchy af. I used them in the past (just in time to make sure all my data was in their hands when it was breached) and doing simple billing changes were way more confusing than it should have been because their whole system is like a decade behind.

[–] [email protected] 3 points 1 year ago

I’ve had my identity stolen multiple times over the years, and have had to deal with fraudulent IRS tax returns and at least 5 attempts to take credit cards out in my name. One of the data breaches that impacted me was the federal government (search for the office of personnel management or OPM data breach for details) and that got me over 10 years, and potentially lifetime protection from a really good credit & identity monitoring company.

I will NEVER willingly hand out my banking or debit card info to third parties. If fraud occurs it’s much easier to deal with a credit car company, so I’d much rather pay that way than save a little time and/or money.

[–] [email protected] 3 points 1 year ago (2 children)

A big reason I use credit cards for payments is the protection I get when things go wrong. Charge up my card and I can dispute, charge up my bank account and I’m out that money until the bank resolves the issue.

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[–] [email protected] 2 points 1 year ago

Same. I hate giving raw credit card numbers out. That’s why I use Privacy - it links to your bank account and you can generate a credit card number on the fly, with limits.

[–] [email protected] 25 points 1 year ago (6 children)

I've linked my debit card for auto-pay but I manually pay with my credit card before the due date and by doing so I get the auto-pay discount and as well as the credit card cashback.

[–] [email protected] 3 points 1 year ago

pretty sneaky sis

[–] [email protected] 3 points 1 year ago

Oh shit that's a good idea

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[–] [email protected] 15 points 1 year ago (2 children)

It's because the CC companies charge out the ass to be a payment processor towards T-Mobile (and all other companies). I'm reasonably certain we'll see many companies outright refusing to accept credit cards within 10 years.

[–] [email protected] 8 points 1 year ago (1 children)

This is something the EU got right by limiting interchange fees to 0.5% rather than the 3%+ in the US. It stopped companies charging consumers extra for credit transactions and also stopped weird outcomes where airlines and hotel companies became more interested in their branded credit cards than in providing an actual service.

[–] [email protected] 2 points 1 year ago

Yes, but did it also lower prices? If it doesn’t, I’d rather trust in my ability to maximize the cash back from that 1-3%.

If prices just went down by an equivalent amount, sure.

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[–] [email protected] 7 points 1 year ago (1 children)

I do not link my bank account to vendors like this. Discounts aren’t worth it, in time cost alone, when something goes wrong and you have to recoup your money.

I’ll autopay off a CC and pay that. Or pay monthly manually. Those are the choices, full stop.

It’s easier to handle fraud or theft with a CC who hasn’t gotten their money yet.

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[–] [email protected] 6 points 1 year ago (2 children)

This was the reason why I switched to US Mobile and I’ve been loving it. I know it sounds like a paid comment ahha, but I was a T-Mobile customer for 10 years and I realized I didn’t need to spend $80+/month for the service

[–] [email protected] 2 points 1 year ago

Yea, we were with sprint for like 20 years. Then they bought T-Mobile and wouldn’t give us shot for our phones. So we switched from paying &90 a month to $60 with new iPhones lol

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[–] [email protected] 6 points 1 year ago (2 children)

Verizon does the same thing. 🫤

[–] [email protected] 2 points 1 year ago

All I wanted to do was use a Privacy.com card with them. No discount.

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[–] [email protected] 5 points 1 year ago (2 children)

Xfinity is doing the same shit. I keep getting emails "reminding" me. I'm not sure what difference it makes to either company. I'm not so much mad as annoyed.

[–] [email protected] 2 points 1 year ago (1 children)

Credit cards charge the companies fees. Your $100 bill payment might only be $98 once it gets to them, because Visa/MC/etc took $2. But most importantly, it strips away any protection you have against incorrect charges. With a credit card on file, you can dispute charges, even demand a charge-back. But with a debit card or bank transfer? Your money is gone, too bad for you.

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[–] Ticagrelor 2 points 1 year ago

My guess is that they have lower processing fees with a debit card or bank transfer vs cc's.

[–] [email protected] 5 points 1 year ago

My autopay discount is $5 and I get about half of that back in rewards points from my credit card. I'm keeping the CC on file and chalking it up to having better protections and an extra 25 days interest-free for $2.50/mo.

[–] [email protected] 4 points 1 year ago (1 children)

I had nothing but deteriorating service and escalating fees from them. So glad to have switched away!

[–] [email protected] 4 points 1 year ago (4 children)

It’s crazy, they were doing good. Then, past several months, garbage.

Who’d you switch to?

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[–] [email protected] 3 points 1 year ago (1 children)

Why would they do this? Debit charges can fail if got enough funds. Cc almost always goes through. The only risk is a charge back.

I would NEVER do this. CC in the US have actual consumer protection laws. Debit does not.

[–] [email protected] 3 points 1 year ago

My guess is to get better pricing at their bank for the ACH they're probably already using and reduce the CC network fees they're paying. Just a guess though.

[–] [email protected] 3 points 1 year ago (2 children)

Check out Google Fi. It uses the T-Mobile network here (US), and I get unlimited data, no rate limits. I have three phone numbers on my account and it costs me $85 a month total. Also the phones from the Fi store are super cheap if you stay on Google Fi. My pixel 7 got $300 off at purchase and $100 for my old phone. They are unlocked, too. Something I hate when buying from other providers. One of my phones had a Verizon sim and a Google Fi e-sim, so I can switch services with easy. Here in the mountains, service can be spotty in places with TMobile. Wifi calling is also available though, so that helps, too. I abandoned US Cellular entirely.

[–] [email protected] 9 points 1 year ago (1 children)

My only concern is being even more locked into Google. I already feel like I have too many eggs in their basket and they are basically impossible to deal with if something goes wrong. I don't want to end up locked out of everything with no data and there's no customer support person I can call up to maybe sort things out with because Google is too cheap to pay for actual customer support staff.

[–] [email protected] 2 points 1 year ago

I agree with that logic. But for me personally, I don't feel "locked" into google. There are no contracts, no penalties for moving to some other service if I need. I never use customer support from any of these services because I find it's easier to just look for the answers myself. I have no loyalty to any company, I simply use what best serves me at the time. All corps are interested in profit over people, so there's really no company I have found to be fully ethical and transparent while offering a competing service that is as reliable.

I have the free 15 GB of cloud storage with them, but I don't use it. I keep my data on my own cloud storage box. Yes, I have a gmail account, but I also have a proton.me account that I use more than gmail. Also, pretty much every big service out there is powered by Google and/or Amazon (see Twitter lol), so looking at the big picture, right now, we are dependent on Google in ways we are not even aware.

This is also why I am excited to see the shift to open source and self-hosting. I think a time is coming, too, where big companies are going to have to pay us for access to our data. I've made almost $200 just casually answering questions for the Google Rewards app. Sometimes it's a dime, sometimes fifty cents, occasionally a question nets more. Those credits can be used to pay for any google services or purchases. I usually buy movies I can't find on streaming services with my Google Rewards credits (my pirate days are long gone, it's just not as convenient for me anymore and if I can't watch it through a service or buy it, I just don't need to watch it lol).

I really want to self-host a lemmy server sometime in the next year, I have a Core i5 desktop that's not dead, just sits in a closet. My wish is to have all my personal social media self-hosted and I can choose who I want to federate with and who I don't. But I'm not a pioneer. I'm waiting til this all settles a little to see if it's worth the work.

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[–] [email protected] 2 points 1 year ago (8 children)

Switch carriers, why support a company thats actively annoying you and has a record of breaking customers privacy with data leaks?

[–] [email protected] 2 points 1 year ago (2 children)

I just switched to T-Mobile after getting played by both AT&T and Verizon too many times. At this point, I don’t know what I’ll do if T-Mobile tries to screw me over worse than those two did.

[–] [email protected] 2 points 1 year ago

Switch again. Go with whoever has the best value at the time. Don't get sucked into brand loyalty.

[–] [email protected] 2 points 1 year ago

You switch to one of the dozens of MVNOs, like Mint Mobile, US Mobile, Cricket, etc etc.

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[–] [email protected] 2 points 1 year ago

I hope they don't roll this out to Tmobile Prepaid. I don't really trust Tmobile with my bank account information.

Paying over $100 each month on cell plans is crazy. If all you use is talk, text, and some data, Connect by Tmobile Prepaid has $15 plan with 3.5GB per month

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