Technologies

T-Mobile’s Autopay Change Complicates My Favorite Credit Card Perk

Commentary: Getting free phone insurance is a fabulous perk, but there are other options to keep it.

T-Mobile is the latest carrier to change how it gives out auto pay discounts: Starting in July, customers are required to pay their bills using either a linked bank account or a debit card in order to receive a $5 per line discount on their service.

However, if you already set up auto pay with a credit card, not complying with this policy change is effectively a price hike. And as a result, if you were paying for your phone bill using a credit card, you’ll now have to evaluate if the $5 per line cost is worth the convenience and perks that come with paying for your phone bill using that method. That’s not even including the need to use a debit card or give T-Mobile, which has a poor track record of data security, a bank account number.

For myself, I rely on having cellphone insurance provided by a World Elite Mastercard that I pay my family’s cell phone bill with. While I haven’t yet had to file a claim with it, the perk allowed me to skip paying for AppleCare or my carrier’s phone insurance entirely. The benefit lets customers get reimbursed for cellphone repairs, up to $1,000 per year ($800 per claim, with a max of two claims per year).

I’ve been hoping to at least use the options when replacing my iPhone 12 Pro Max’s battery after its capacity falls under 80% (an $89 cost), and it would be especially clutch if my phone ever required a major repair like a charging port failure (as expensive as $599).

I manage three lines on my T-Mobile account, and as a result, continuing to pay with my credit card will lead to a $15 monthly increase on my rate when using autopay. So I began crunching the numbers in order to figure out whether it would be worthwhile to absorb the price increase to keep the credit card benefit, to forgo the benefit entirely or to consider a third-party phone insurance option. I also discovered a workaround, which should keep the benefit intact with a little bit of planning.

Should I just join T-Mobile’s Protection 360?

When I began researching my options for maintaining a phone insurance option, I first wondered if I could join T-Mobile’s Protection 360. T-Mobile’s phone insurance plan allows for phone service through AppleCare — which otherwise isn’t joinable past 60 days of buying an iPhone. Covering my line would be about $18 per month — more than the $15 per month that covers my family plan — but I could receive these repairs without having to file for reimbursement.

Regardless, T-Mobile’s Protection 360 isn’t an option right now. Similar to health insurance, Protection 360 allows for enrollment either when you buy a new device or when a special enrollment period opens. I saw that there was an enrollment period open in June, but right now it’s closed, and T-Mobile doesn’t provide a cadence for how often it reopens.

What if I paid the price increase?

While I don’t want to pay the extra $15 per month, it is a cost effective option if I insist on maintaining a level of phone insurance. As I covered in the Protection 360 section, paying $15 for three lines is less than paying $18 for a single line under T-Mobile’s option when it’s available. This would allow me to continue to be eligible for reimbursement after paying for a phone repair and help me avoid paying a high price should there be a catastrophic damage incident.

However, I think there’s simply better ways to use that $15, especially when the main repair I inevitably see is an $89 battery repair. I could create a slush fund where I set aside that $15, and in six months that would build up to cover the $89 battery replacement that I foresee needing. I also just finished paying off my iPhone 12 Pro Max and could roll that amount into the fund. I currently plan on keeping my phone for two more years, and those savings could go toward my next phone purchase.

But this option has a big vulnerability: If my iPhone suffered a major malfunction, a repair could cost $599 or result in being forced to buy a new phone earlier than I’d prefer.

Could I go with a third-party insurance option?

There are other companies that offer insurance on phones or other electronics, without going through either the phone manufacturer or the phone carrier. One option that I looked into is SquareTrade, which is owned by insurance provider AllState. Through SquareTrade, I can get a plan for myself at $9 per month or a plan for the family (up to four lines) at $20 a month.

Like my credit card’s phone protection plan, SquareTrade offers reimbursement for repair costs at Apple’s Genius Bar along with options for in-person or mail-away phone repair. That’s appealing because it will essentially allow for AppleCare’s support for a repair, albeit by paying upfront for it.

However, SquareTrade’s deductible for all phone claims is rather high at $149. This is still a substantial discount from having to pay $599 for an equipment failure repair or $329 for a cracked screen replacement, but for a battery replacement I’d be better off paying Apple’s $89 repair cost.

On the other hand, SquareTrade’s phone insurance remains flexible since I don’t need to have recently purchased my device to have it. It’s an option I can leave on the back burner, and if it seems appealing (or if I can tell that my phone is on the precipice of breaking), I could perhaps purchase it at a more strategic time.

SquareTrade’s policy also doesn’t cover theft or loss, which are important possibilities to consider when choosing a phone insurance plan. My credit card benefit does cover that possibility, as does T-Mobile’s Protection 360.

Why I’m waiting it out with a workaround

While I’m not thrilled about T-Mobile’s choice to eliminate auto pay discounts for paying with a credit card, I’d also rather not be rushed into choosing a new phone insurance option. For now, begrudgingly, I am linking my bank account to pay for my bill in the interest of controlling costs while I evaluate these options.

However, after I first published this story in July, I received several tweets from readers that offered a simple workaround that I verified with both my personal experience and confirmed with a T-Mobile representative. While I do now have my bank account linked to retain the autopay discount, I have not yet paid my bill using that account. Instead, I manually pay my bill using my credit card before the autopay date hits, and the discounts will remain on my bill. This is a small inconvenience since it will now require some conscious effort, but it’s more than worth it to keep the free cell phone insurance benefit.

I will also start taking the monthly installment money I now have after paying off my phone, and start a new phone slush fund with it. Ideally, I’ll be able to get two more years out of my current iPhone and then use the savings toward a new device.

By using that strategy for buying my next phone, I could then perhaps take advantage of a different credit card benefit: Some cards offer an extended warranty benefit that would provide an additional year of coverage beyond what’s provided with a purchase.

At the same time, I’ll keep an eye out in case I later want to swap my auto pay back to a credit card and forego the discount, grab a SquareTrade plan or — when available — sign up for T-Mobile’s Protection 360.

Technologies

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Technologies

Pokemon TCG Pocket’s Breakneck Expansion Releases Are Stressing Me Out

Collectors who want to complete a master set are finding that it’s just too hard to keep up with the game.

Pokemon TCG Pocket’s next Alola-themed set is releasing on May 29. Extradimensional Crisis is a sister expansion to the recent Celestial Guardians set — and it’s introducing the wacky and weird Ultra Beasts to the game.

Every Pokemon from another dimension now has a special Ultra Beast tag displayed just under its health point total. And certain Pokemon abilities and Trainer cards from the new set will only work on cards with this tag. While there are always new cards that shake up the metagame, this expansion looks ike it will largely introduce cards that play well with others in the set.

Extradimensional Crisis is one of TCG Pocket’s smaller base set expansions. These companion sets are often released a month or so after a big expansion. Mythical Island released after the massive Genetic Apex launch set, and Triumphant Light was the supplement to Space-Time Showdown.

Normally, I’d love to rip into packs in order to hunt more than 100 new base set cards being added to the game. Buzzwole, Nihilego and Guzzlord are some of my favorite monsters from the seventh-gen Pokemon games and the art for their cards is gorgeous.

This time around, I’m just not able to get as excited about the new drop.

Pokemon TCG Pocket is releasing expansions too quickly for me

I’ve played Pokemon TCG Pocket every day since launch. With few exceptions, I’ve opened both of my free daily packs — even if I have to stay up past my usual bedtime to do so. Ripping these suckers open has become a part of my daily routine, and I’ve been largely content to do so (even when I pull five common base set dupes).

But these expansions are getting a little out of hand now. For most games, having too much content is a good problem to have, but struggling to keep up with a collectible game saps the fun. Extradimensional Crisis will be the seventh set released in the game over the course of eight months. Despite my diligence, I’ve only completed a single base set — Shining Revelry — and I’ve never completed a master set with all of the full art cards and shiny Pokemon.

To be clear, I don’t expect to be able to keep up with every expansion in the game. I don’t even want to collect all of the secret cards — I just want to put together the base sets. I’m a fully free-to-play TCG Pocket gamer, and developer DeNA Games needs to make money to keep the app running. New releases grease peoples’ palms and keep the money flowing.

Even still, these releases have been dropping at such breakneck speeds that I don’t feel like I can return to past sets to finish collecting the cards I’m missing. It’s disheartening to complete the majority of an expansion and then leave it behind with so many gaps.

This sentiment seems to be shared among at least some parts of the Pokemon TCG Pocket community. It’s probably not a great sign when a contingent of the top comments on the YouTube video of your next big reveal are asking you to stop revealing things.

«Crisis? [The only] crisis is the one I’m having with so few hourglasses,» said one commenter.

Another person put things more plainly: «Honestly, I’d prefer if they’d slow the rollout of the expansions a little bit. Let the sets take hold for a few months and then drop bigger, higher quality sets.»

The joking hides real frustration, as many free players haven’t been able to complete the game’s full base sets. I’m not asking for these releases to be spaced out too far apart, but a single month between expansions is starting to feel untenable. Double the downtime between sets and let people breathe — and maybe I’ll finally be able to finish up Genetic Apex.

Technologies

Tariffs, Schmariffs! An iPhone 17 Price Hike Is Overdue, Regardless of Trump’s Threats

Commentary: Follow the math, not the tariffs and politics.

US President Donald Trump wants Apple to manufacture the iPhone, its best-selling product, in the US. And on Friday, he threatened to place a 25% tariff on the phone if the company doesn’t make that happen.

«I have long ago informed Tim Cook of Apple that I expect their iPhone’s that will be sold in the United States of America will be manufactured and built in the United States, not India, or anyplace else,» Trump posted on Truth Social. «If that is not the case, a tariff of at least 25% must be paid by Apple to the US.»

Adding uncertainty to his ultimatum, Trump later said the tariff wouldn’t apply to just the iPhone but also to any smartphone made outside the US.

«It would be also Samsung and anybody that makes that product,» Trump told reporters in the White House on Friday. «Otherwise, it wouldn’t be fair.»

Despite tariffs and politics, the price of the iPhone hasn’t changed. But the launch of the rumored iPhone 17 will likely come with a higher price no matter what Trump says or does. Apple is considering a price increase and could attribute the rise to new and updated features instead of tariffs, according to a report by The Wall Street Journal.

Since what Trump touted as «Liberation Day,» the iPhone and how tariffs might affect its price have been main focal points when it comes to this administration’s policies and pronouncements. Apple is the third-largest company in the US, and most of its products are manufactured in China. Clearly, the iPhone’s ubiquity has made it a symbol for the ongoing uncertainty of the US economy and politics.

But whether or not Apple gets taxed with tariffs, the iPhone hasn’t had a price hike in five years and is due for one. Historically, that’s the longest stretch of time the company has gone without an increase since the five years between the iPhone 5 and the iPhone 7, which ended with the iPhone 8 launching at a higher cost. We can learn a lot by looking at how the company has handled earlier price hikes (and a one-time drop) and what that means for the iPhone 17 (it’ll likely cost more).

In terms of my methodology, I grouped iPhone models into a few categories: the standard, the flagships and the behemoths. The standard includes models like the original iPhone, the iPhone 8, the iPhone XR and the iPhone 16. The flagships include variants like the iPhone X, iPhone 11 Pro and iPhone 16 Pro. And the behemoths designation is for phones like the iPhone 6 Plus, iPhone XS Max and iPhone 16 Pro Max. There are other versions that Apple sold, like the iPhone 5C, the SE series, the iPhone Mini line and the current iPhone Plus line, that don’t factor into this analysis. Also, I use the US starting price for each iPhone before any carrier discounts are applied.

Standard iPhone prices

Since its debut in 2007, the standard iPhone has had four price increases and one correction. Many folks might remember paying $199 for the original iPhone, but in reality, the phone cost $499 off-contract. In 2008, Apple raised the price $100 with the launch of the iPhone 3G, to $599, where it would stay for four years. Then in 2012, the iPhone 5 was introduced with a taller, 4-inch screen and a higher, $649 price tag.

Fast-forward to 2017, the 10th anniversary of the iPhone, and the iPhone 8 debuted at a cost of $699, a $50 increase. Every year between 2017 and 2019, the price for the standard iPhone changed. In 2018, the iPhone XR launched at $749. The following year, the iPhone 11 came out, and the price dropped back to $699. And what makes that drop interesting is that the iPhone 11 was the first standard Apple phone with two rear cameras: a wide-angle and ultrawide. Up till then, all other standard iPhone models had only a single rear camera. From 2007 to 2019, when Apple increased prices it was in $50 increments, except between the first and second iPhone models.

Then 2020 happened. It was a wild year for the iPhone, and everyone, because of the pandemic. But Apple managed to launch the iPhone 12, which cost $829, marking the largest increase for the standard iPhone: $130. Subsequent models all had the same price: The iPhone 13, 14, 15 and 16 all cost $829.

If Apple follows its previous pattern, then the standard iPhone is due for a price increase. The last raise was in 2020, five years ago, and Apple has never gone six years without a price hike on the standard model. But will the company slowly raise the price over a few years like it did between the iPhone 7, 8 and XR? Or will it go all in like it did with the iPhone 12?

The standard iPhone is Apple’s most popular, and it’s safe to expect that the iPhone 17 will cost more (and would’ve even if Trump hadn’t been elected). Now we just need to wonder how much tariffs and politics might drive the price up even more.

The flagship: iPhone Pro model prices

Apple hasn’t always had an iPhone Pro variant, but it did starting in 2017 with the launch of the iPhone X, which had a starting price of $999. The phone debuted next to the $699 iPhone 8, making the 8’s $50 increase seem like nothing.

But here’s where things get interesting. Apple has never raised the price on the iPhone Pro model. The iPhone X, XS, 11 Pro, 12 Pro, 13 Pro, 14 Pro, 15 Pro and 16 Pro all cost $999. That’s eight years without a price increase!

What’s even more shocking is when you correct for inflation: the 2017 iPhone X’s $999 price would be $1,298 in 2025, according to the Consumer Price Index Inflation calculator. The iPhone Pro is overdue for a price hike, and expect the iPhone 17 Pro to cost more.

The behemoths: iPhone Plus, Max and Pro Max prices

Since 2014, Apple has sold a «big» version of the iPhone. Some of these were nothing more than a larger version of the standard iPhone with a bigger screen and battery as well as some minor differences, like the iPhone 6 Plus having optical image stabilization on its camera while the iPhone 6 didn’t. But beginning with the iPhone 7 Plus, the larger version started having «pro» features, like a second rear camera and portrait mode.

In terms of pricing, the iPhone 6 Plus debuted at $749, which was $100 more than the iPhone 6. And that $749 price stuck around for the iPhone 6S Plus and 7 Plus. In 2017, Apple had three iPhone models: the $699 iPhone 8, the $749 iPhone 8 Plus (a $50 increase from the 7 Plus) and the $999 iPhone X.

In 2018, Apple launched the $1,099 iPhone XS Max, which I consider the true successor to the initial iPhone Plus line. That means the big iPhone got a $350 increase in a single year, the largest Apple has ever made. I admit some people might not think the XS Max is a follow-up to the Plus and would deem it an entirely new iPhone variant. But this is my commentary.

Like the iPhone Pro, the Max and Pro Max would have the same price for years. In 2023, Apple raised the barrier of entry for the Pro Max model and didn’t offer a $1,099 version of the iPhone 15 Pro Max with 128GB of storage. Instead, you had to pay $1,199 for the 256GB variant, which technically cost the same as the iPhone 14 Pro Max with 256GB of storage.

The iPhone 17 and 17 Pro’s prices

Even without tariffs, it’s safe to assume that the iPhone 17 lineup’s prices will be higher for some models. But when you factor in everything that’s happened this year, it’s hard to gauge just how much the price will go up and whether that’ll affect just one or two models, or apply across the entire iPhone 17 line.

Earlier this year, Apple raised the price on its most affordable model. Though it lacks the SE branding of the previous low-cost iPhone, the iPhone 16E came with a $599 price tag, $170 more than the $429 iPhone SE (2022).

Apple doesn’t talk about unreleased products or their prices. But we do have an unusual-for-Apple clue as to how these tariffs could affect the company.

«Assuming the current global tariff rates, policies, and applications do not change for the balance of the quarter and no new tariffs are added, we estimate the impact to add $900 million to our costs,» Apple CEO Tim Cook said during a May 1, 2025, quarterly earnings call.

Obviously, that $900 million number wasn’t just for the iPhone, but for all Apple products. And that was three weeks before Trump threatened another tariff aimed purely at the iPhone. But $900 million is a lot for any company to swallow, and eventually that added cost will need to be made up for — unfortunately, that usually means higher prices (even if Apple is pressured by Trump to attribute the increase to «new designs and features.»)

If there’s one thing for certain, we’ll know exactly what those prices will be when Apple launches the next generation of iPhone models at its September event.

Apple didn’t respond to a request for comment.