this post was submitted on 04 Jul 2023
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Mildly Infuriating

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T-Mobile Starting to Really Grind My Gears (vlemmy.net)
submitted 2 years ago* (last edited 2 years ago) by hemmes@vlemmy.net to c/mildlyinfuriating@lemmy.world
27 comments fedilink hide all child comments
 

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

Edit 6/6/1023: So I made a new virtual card but when I add it to my T-Mobile account the site adds it and says it’s not supported for the discount. They’re going to force me to enter a physical debit card or bank account or pay an additional $40/month.

T-Mobile really has been sucking with their service strength in NY. But they’re doing very well at driving me crazy.

top 27 comments
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[–] onzu@lemmy.world 2 points 2 years ago

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.

[–] ninjan@lemmy.mildgrim.com 1 points 2 years 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.

[–] elgordio@kbin.social 1 points 2 years ago

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.

[–] hemmes@vlemmy.net 1 points 2 years ago

Exactly. That's why I was saying maybe I'm overreacting because I kind of get it… But still.

[–] magnetosphere@kbin.social 1 points 2 years ago (1 children)

Fuck that.

I set up recurring payments through my bank’s website. I never give a company my banking information if I don’t absolutely have to. I simply don’t trust them not to screw me, or fix their “errors” in a timely fashion. They’ll happily make a “mistake” and overcharge you by hundreds or thousands of dollars with zero verification, but try to get a 22 cent refund and they’ll fight you tooth and nail. After keeping you on the phone for an hour, of course.

No way. BILL ME, and I’ll look over it myself, thanks.

[–] hemmes@vlemmy.net 1 points 2 years ago (1 children)

Yeah, but I don’t want to pay the extra $40. I use Privacy so I don’t have to give my debit card info.

[–] TauZero@mander.xyz 1 points 2 years ago

I hate it too, but at least it's fair. The CC companies have squeezed everyone by raising their percentage fees ridiculously high to 3-5% for doing nothing but moving a number from one database row to another, and then bribing us the consumers by giving us 1% of our own money as cashback. The phone companies have calculated how much it costs them in CC fees to support CC payments, and they are giving us the choice to pay them that or switch to a cheaper payment method. Granted, $40 is probably still way more than their actual fees, but if you are choosing to pay that anyway, then your preferred payment method is worth at least that much to you. I am paying $10/month to my service provider for the "privilege" to not use autopay.

[–] NarrativeBear@lemmy.world 1 points 2 years ago (1 children)

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

[–] eoddc5@lemmy.world 1 points 2 years ago

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

[–] Daisy@lemmy.world 1 points 2 years ago (2 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.

[–] EeeDawg101@lemm.ee 1 points 2 years 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.

[–] Ballistic86@lemm.ee 0 points 2 years ago (1 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.

[–] Helchez@lemmy.world -1 points 2 years ago (1 children)

I'm not defending T-Mobile, but you just outlined why they are making this change. People are abusing the system by disputing charges valid or otherwise. Banks require a higher burden of proof to return funds, where most credit cards will immediately revoke the money from the merchant if you file a dispute and it might cost the merchant more to fight it than to just let it go.

Again not defending T-Mobile, they do have a bad track record with data privacy and could have handled this in a different way. For example, being able to use a credit card for auto pay could be a loyalty bonus for long term customers or after completing a certain number of on time payments. Another option that could be good for T-Mobile and customers would be to partner with a Credit Card provider to offer a card with cash back perks. T-Mobile could work with the provider to tweak the dispute terms more in their favor and the customer could get a cash rewards card and wireless service with a single credit check.

[–] ultranaut@lemmy.world 1 points 2 years ago

How do you know they are doing this because people are abusing charge backs? It doesn't really make sense to me in the context of auto payment on a phone bill where there's a contract and pattern of regular payments.

[–] taurentipper@kbin.social 0 points 2 years ago (1 children)

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

[–] exohuman@kbin.social 0 points 2 years ago (1 children)

Yeah, I switched away from T-Mobile after I saw that my nearly $600 a month phone bill was less than $200 with AT&T.

[–] Erikjuh@kbin.social 0 points 2 years ago (1 children)

How is that even possible? I pay €27 for unlimited calls and texts, plus 10 GB of data every day. In The Netherlands. You guys are getting scammed I feel.

[–] Widget@kbin.social 0 points 2 years ago (1 children)

$70 is typical for that, except it's 30GB of data for the month before they reduce you to around 25kB/s.

[–] taurentipper@kbin.social 1 points 2 years ago

Gotta love those theoretical unlimited data caps lol

[–] Morcyphr@lemmy.one 0 points 2 years ago (1 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.

[–] ffolkes@fanexus.com 0 points 2 years 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.

[–] TauZero@mander.xyz 2 points 2 years ago

You can absolutely dispute incorrect debit card transactions and receive your money back. Here's instructions for Chase Bank for example: https://www.chase.com/digital/customer-service/helpful-tips/personal-banking/desktop/dispute-transaction It's just that the time limits for reporting are tighter - 60 days for Chase debit IIRC.

[–] elfin8er@lemm.ee 0 points 2 years ago (1 children)

Does nobody here know about privacy.com?

[–] fireshaper@social.belowland.com 1 points 2 years ago (1 children)

I don’t think that’s considered a debit card.

[–] TauZero@mander.xyz 1 points 2 years ago

Funny thing is that privacy.com is funded by squatting on the CC interchange fees, while CC fees is precisely what T-mobile is trying to avoid by switching to ACH.

[–] freeman@lemmy.pub 0 points 2 years 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.

[–] PrimaCora@lemmy.fmhy.ml 1 points 2 years ago

T-Mobile doesn't even let me setup auto pay. I'm a Sprint customer that got converted. Sprint app no longer works, T-Mobile doesn't recognize me.

I still get the removed but it makes me pay manually, using the short code from the phone app... And since I can't see it get into the account, can't pay off or buy my current phone.

Once I get time off near August I hope to deal with that. And after, may just switch to something like mint. Hardly use any data, text, or talk, just needed phone financing and insurance.