Overview
- T-Mobile began enforcing the change on Friday, October 24, 2025, removing the monthly AutoPay credit if an early payment is made with a credit card or Apple Pay.
- Customers receive a text alert when an early ineligible payment voids that billing cycle’s discount.
- The closed workaround had let users keep AutoPay set to a bank or debit method, then pre-pay with a credit card or Apple Pay and still retain the credit.
- The AutoPay credit is typically about $5 per line each month, which makes the loss more costly for larger family plans.
- T-Mobile says its rules stem from higher credit card processing fees, while early payments with Pay by Bank or debit still preserve the discount.