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Tmobile ends credit card autopay discount loophole
October 23, 2025 at
10:45 PM
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Would that be allowed?
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Would that be allowed?
"Under the new rule, any such one-time payment made with an ineligible method—whether for a portion or the total of the bill—will now disqualify the account from the AutoPay discount for that billing cycle."
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Would that be allowed?
T-Mobile has ended a workaround for its autopay discount that allowed customers to pay with a credit card while keeping the discount. Starting October 24, 2025, any early, one-time payment made with an ineligible method like a credit card will cause a customer to lose their $5 per-line autopay discount for that billing cycle. To keep the discount, customers must have their autopay set up with a debit card or a direct bank account, and any early payments must be made with an eligible method.
How the loophole worked
Customers would set up a debit card or bank account for automatic payments to receive the autopay discount.
They would then manually pay their full bill ahead of the autopay date using a rewards credit card.
Because the bill was already paid, the automatic debit payment would not be processed, allowing the customer to collect credit card rewards and still get the T-Mobile discount.
How the new rule works
Any early, one-time payment made with a credit card, even for the full bill amount, will disqualify the account from receiving the discount for that cycle.
T-Mobile will send a text message informing customers they have lost the discount for that bill cycle.
The only way to keep the discount is to have a debit card or bank account set up for autopay and ensure any early payments are made using one of those eligible methods.
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There are plenty of other cell phone providers and MVNOs to choose from. TMobile is surely going to lose more business from this than the work-around costs them in processing fees.
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There are plenty of other cell phone providers and MVNOs to choose from. TMobile is surely going to lose more business from this than the work-around costs them in processing fees.
https://www.usmobile.co
https://www.visible.com/plans
etc.
My Amex Plat has free insurance on the phone (up to $800 per claim) if the plan is paid by the card.