Original Post
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Edited September 5, 2024
at 01:45 PM
by
Saw this offer on multiple chase cards. Language is a little unclear as to whether two payments with the first being small and the second being $50 would qualify or if you need 2x $50 payments, but here it is. I got it 3/6. Word is there might be a VZ version floating around but I have not seen it personally.
https://www.chase.com/personal/merchant-offers
"Earn $50 cash back on your second payment of a T-Mobile plan when you spend $50 or more.
At T-Mobile, you can save on every plan vs. AT&T and Verizon. Right now, you can get 4 lines of unlimited for just $25 a line. Visit the T-Mobile savings calculator to see how much you can save and make the switch to America's largest and fastest 5G network today.
4 Lines of Essentials: With autopay discount using elig. payment method; plus taxes & fees. +$5/line w/out Autopay.
Offer expires 10/14/2024. Must make second payment by 11/1/24. Offer valid one time only, with a 2 purchase minimum. Payment must be made directly with the merchant. Offer not valid on purchases made using third-party services, delivery services, or a third-party payment account (e.g., buy now pay later). Recurring payments will occur after plan signup. For cancellation policy and details, visit merchant website."
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"Your Auto Pay discount has been suspended.
Hi Xx xx,
Due to a one-time credit card payment, you will see a debit adjustment in the amount of your Auto Pay discount totaling $50.00 on your next bill.
The monthly Auto Pay discount you receive requires you to make payments with the bank account used to enroll in Auto Pay and be enrolled in paper-free billing. A one-time payment was processed on your account outside of these terms and has resulted in the loss of the discount for this billing cycle."
First, I dedicate a "sock drawer" bank account for autopay (Tmobile seems to allow themselves to get hacked every other month, they aren't getting my main bank account!). I leave enough in that account to cover a monthly bill plus around $50. If I forget or have an emergency, all the bill is covered that month. Set that up on Tmobile as my "Autopay" account.
NOW- Once the bill comes out, I log in to Tmobile and make a one-time payment from my preferred CC for a few cents less than the full bill. Depending on my mood I configure to pay it that day or in the future at least 5 days before Tmobile pulls from the Autopay account. (I give myself slack in case any problems with the CC).
Once the bank account is set, really all I do is spend a couple minutes each month logging in and paying ALMOST the entire bill from the saved credit card on my account.
Have done this since Tmobile tightened the screws and I always get the autopay discount despite nearly everything still going on the credit card. I have a feeling Tmobile will try getting even nastier about this loophole in the future, at which time maybe it's time to go prepaid.
I do almost the exact same thing only difference is I pay the entire amount with the credit card exactly 72 hours before the autopay comes out.
I keep a backup debit card from a credit union my emergency stash card that's linked to T-Mobile for the autopay discount. However I pay my entire bill with the credit card and still get the auto pay discount. I do this because my Wells Fargo credit card has cell phone protection, if you pay the bill through them.
I'd rather pay through Wells Fargo and in case something happens I can make a claim with them to replace my phone. I agree with you if they ever cut off this loophole I may be looking for MVNO or cheaper prepaid option, they already raised my plan 2 lines and extra $5 each by going back on there price lot guarantee so being a loyal customer means nothing to them, so I would go where the grass may not be greener but definitely cheaper.
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I thought they asked all payment to pay with ACH from Bank.
You can split your payment and pay most of your bill with a credit card and leave small amount for auto draft from your bank account
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