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

Pixel Watch 4 Features vs. Apple Watch Series 10: Google Came to Play!

Google’s latest watch takes a direct hit at Apple with a new AI health coach and advanced emergency connectivity. Find out how they stack up.

Google’s Pixel Watch 4 is the newest player on the smartwatch field and it’s not holding back. With a sleek design, AI-powered health coach, first-of-its-kind emergency satellite connectivity and improved battery life, it’s a major leap forward for a relative newcomer that’s been edging its way up the ranks to compete with the heavy hitters of the wearable world.

The Apple Watch Series 10, meanwhile, remains a benchmark in the category. While technically at a disadvantage being last year’s model, it holds its own with more than a decade of refinements and deep integration with the iPhone and Apple’s extensive health and fitness ecosystem.

As smartwatches make the leap from wearable phone extensions to essential health and safety tools, these two flagships are redefining the category — especially with both companies controlling the full hardware and software experience on their respective platforms. And with Apple expected to debut its Series 11 in September, this face-off feels like just the opening move in what’s shaping up to be a high-stakes game of chess between two of the biggest names in tech. Here’s how the specs stack up on paper; we’ll conduct our full suite of tests for the full Pixel Watch 4 review.

Pricing and availability

Being an older model, the Apple Watch Series 10 can be found for a discounted rate through third party sellers like Best Buy and Walmart, but the original price of $399 is technically higher than the base price of the $350 Pixel Watch 4. However, the larger-size versions have less of a price gap with the 45mm Wi-Fi version of the Series 10 costing $429 and the Pixel Watch 4 equivalent costing $400. And the Apple Watch is the only one that offers a higher-end titanium model that costs about $200 more than the base aluminum. Both watches are rated for 5ATM water resistance and have IP6X dust protection.

Design and display

Both watches remain true to their original form factor and this category is more a matter of preference. The Pixel Watch 4 sticks with its signature circular design that looks closer to a traditional analog watch than the Apple Watch, with a bubble-like screen that curves outward for a sleek, all-display look. It comes in 41mm and 45mm sizes with silver, dark gray and gold aluminum finishes, plus interchangeable bands.

Apple, by contrast, hasn’t strayed from its signature rectangular shape since its launch. It’s more «tech» looking than the Pixel Watch, but it’s also slightly more practical for navigating apps and notifications. The Series 10 also has minimal bezels with a screen that expands into the thin frame and comes in a 42mm and 46mm version. The Apple Watch has a slightly higher pixel density for better image quality but the Pixel 4 is brighter with up to 3,000 nits peak brightness compared to the Apple Watch’s 2,000 nits.

Performance, software and AI

Under the hood, both watches run the latest versions of their respective software: WatchOS 10 for Apple and Wear OS 6 for the Pixel. Apple offers the usual tight integration with the iPhone, while Google leans on its Fitbit acquisition for health tracking and now its AI expertise with the built-in Gemini assistant.

And this is where the Apple Watch starts to lose its footing. Google’s Gemini voice assistant handles back-to-back commands, summarizes information from your apps and responds conversationally without shuttling you out to a web link — something Siri still struggles to match. Apple’s assistant remains more limited, often requiring repeat commands and leaning on your iPhone for anything beyond the basics. Even a cautious AI user like myself can’t help notice how Gemini’s added capabilities feel genuinely useful on the wrist, cutting down on screen taps and making it easier to get more done on the go.

Health and fitness features

This is another area where Google’s AI could give the Pixel Watch 4 an extra edge. Both watches set the standard in health and fitness features — Apple because of its longstanding commitment to health and fitness, and Pixel through its integration with Fitbit. Their metrics are accurate and easy to make sense of in their respective apps. But the Pixel 4 just stepped it up with a concierge style AI health coach (coming in October) that can help you interpret your health data and give personalized recommendations: everything from whether to rest or exercise on any given day, to how to improve sleep quality. Apple’s Workout Buddy, coming in watchOS 26, offers live feedback on a handful of workouts but isn’t as far along in pulling together a complete picture of your health data (at least not yet). The caveat, however, is that Google’s coach will require a Fitbit Premium subscription ($10/month after a trial), while Apple’s AI fitness tool is free.

Emergency features

Beyond health tracking, both watches add an extra layer of protection with a range of emergency tools, including fall and crash detection, workout check-ins and Emergency SOS. The Apple Watch leans more on proactive health alerts, like warnings for irregular heart rhythm and potential sleep apnea.

But the Pixel Watch 4 just boosted its emergency features by adding satellite connectivity. This means you can send a message for help even without a phone or cell service. The Apple Watch, by comparison, still relies on the iPhone or needs network coverage for models that are cellular-enabled to make an emergency call.

Battery and charging

On paper the Series 10 promises 18 hours of heavy use, though in our testing it’s consistently gotten closer to 26 to 30 hours with the always-on display active. Google claims 30 to 40 hours on the Pixel Watch 4 depending on size, giving it a slight edge, but it’s hard to pass judgment without our real world tests.

Charging speed is another strong point for both watches with quick charge capabilities, although the Pixel Watch 4 is still faster when you need a quick top-up. It reaches 50% in just 15 minutes and a full charge in an hour. The Series 10 also takes an hour to reach a full charge, but hits 80% in 40 minutes.

Google has also made the Pixel Watch 4’s battery and display easier to replace for repairs, a big step forward for long-term usability, while Apple hasn’t emphasized the same level of repairability on the Series 10.

Bottom line

If you’re all-in on Apple, the Series 10 still delivers everything you need in a smartwatch. But for Android users (or anyone curious about AI on the wrist) the Pixel Watch 4 shows Google is serious about challenging Apple’s dominance.

Pixel Watch 4 vs. Apple Watch Series 10: Specs at a glance

	Pixel Watch 4	Apple Watch Series 10
Design & sizes	Round, 41mm & 45mm	Square, 42mm, 46mm
Display	AMOLED LTPO, 320 ppi	LTPO3 OLED, 446 x 374 ppi
Thickness & weight	12.3mm; 31–36.7g	9.7mm; 30-41.7g (46mm titanium model)
Material & finish	Aluminum case: Silver, Champagne gold, Satin Moonstone or Matte black finish	Aluminum: Jet black, Rose gold or Silver finish; Titanium: Slate, Gold or Natural finish
Durability	5ATM water + IP68 (dust)	5ATM Water + IP6X (dust)
Battery life	30–40 hrs (always-on) + quick charge dock: 50% in 15min, 100% in 60 min	24-30 (always-on) + Fast charge: 80% in 30 min, 100% in 60 min
Sensors	ECG, SpO₂, heart rate, skin temp, loss of pulse detection	ECG, heart rate, skin temp, depth gauge, SpO2, Noise monitoring
Emergency features	Satellite SOS, Safety Check, Safety Signal, fall & crash detection	Emergency SOS, Fall detection, Crash detection, Check in and Backtrack
AI & coaching	Gemini voice assistant; Fitbit AI health coach (via Premium)	Siri (voice assistant); Workout Buddy
Processor	Qualcomm Snapdragon W5 Gen 2, Cortex-M55 co-processor	S10 SiP with 64-bit dual-core processor, W3 Apple wireless chip
RAM/Storage	2GB, 32GB (storage)	64GB (storage)
Payments	Google Wallet	Apple Pay
Price (US)	$350–$500	$399-$750 (titanium)

Technologies

Say Goodbye to Awful Cell Signal With These 10 Simple Fixes

These quick tricks can help you get better reception almost instantly.

Summer road trips are all about open roads, good company, and spontaneous detours. That is, until your phone loses service and the whole plan comes to a screeching halt. Whether it’s your GPS freezing mid-route, your music app buffering endlessly, or being unable to call for roadside help, poor cell reception can turn a carefree adventure into a frustrating mess. These dead zones tend to show up in the worst spots: backroads, mountain passes, or just that one stretch of highway where nothing seems to work.

Fortunately, you don’t need a new phone or a major tech upgrade to fix spotty service. There are several simple tricks you can try to get better signal on the go. From changing your network settings to repositioning your phone in the car for better line-of-sight, these small adjustments can make a noticeable difference. Whether you’re driving across state lines or just heading out for the weekend, these tips can help you stay connected and keep your trip running smoothly.

Whether you’re doing some routine phone maintenance or you’re stuck in an emergency, there are multiple ways to improve your reception on an iPhone or Android phone, no matter what type of phone plan you’re on. It might even come down to something as simple as toggling Airplane mode.

To go from dropped calls to full bars, here’s what you need to know. For more on iPhone and iOS, check out everything Apple announced at WWDC 2025.

Note: Although software across different iPhone models is relatively the same, Samsung Galaxy, Google Pixel and other Android phones may have different software versions, so certain settings and where they are located might differ depending on device.

For more, check out how you can use Google Maps when you’re offline and how you can maybe fix your internet when it’s down.

To improve your cellphone service, try these steps first

The settings on your phone can help you get better cell service, but there are other tricks for improving your reception without even touching your phone’s software.

Move yourself so that there are no obstructions between your phone and any cell towers outside. That might involve stepping away from metal objects or concrete walls, which both kill reception. Instead, get to a window or go outside if possible.
Remove your phone case. It doesn’t hurt to remove whatever case you have on your phone, especially if it’s thick, so that the phone’s antenna isn’t blocked by anything and can get a better signal.
Make sure your phone is charged. Searching for and connecting to a stronger signal drains power, so if your phone battery is already low on charge, you may have a difficult time getting good service.

Always start by turning Airplane mode on and off

Turning your phone’s connection off and then back on is the quickest and easiest way to try and fix your signal woes. If you’re moving around from one location to another, toggling Airplane mode restarts the Wi-Fi, Bluetooth and cellular network modems, which forces them to find the best signal in the area.

Android: Swipe down from the top of your screen — to access the Quick Settings panel — and then tap the Airplane mode icon. Wait for your phone to completely disconnect from its Wi-Fi and cellular connections. It doesn’t happen instantly, so give it a good 15 seconds before you tap on the Airplane mode icon again.

iPhone: On the iPhone, you can access Airplane mode from the Control Center, but that varies depending on which iPhone model you have. On the iPhone X and later, swipe down from the top-right corner to access the Control Center. On older iPhone models, swipe up from the bottom of the screen. Then tap the Airplane mode icon, which will turn orange when it’s enabled. Again, wait up to 15 seconds before turning it off.

If Airplane mode doesn’t work, restart your phone

Our phones are miniature computers, and just like computers, sometimes you can fix issues like network connection by simply restarting them.

Android: Hold down the power button, or the power button and the volume down key (depending on your Android phone), until the on-screen menu shows up, and then tap Restart. If your phone doesn’t offer a restart option, you can simply tap Power Off to shut down your device, and then boot it back up with the power button.

iPhone: On the iPhone X and older models, hold down the sleep/wake button and either one of the volume buttons and then swipe right on the power slider to turn off the device. Wait until it fully turns off, then press down on the sleep/wake button to turn it back on.

Alternatively, you can do a force reset on your iPhone: Press the volume up button, followed by the volume down button and then press and hold the side button. Keep holding it in, after your phone’s screen goes black and until you see the Apple logo appear again.

If your iPhone has a home button, hold down the sleep/wake button until the power slider is displayed and then drag the slider to the right. Once the device is turned off, press and hold the sleep/wake button until you see the Apple logo.

Older phone? Take your SIM card out

Another troubleshooting step that might help is to remove your SIM card, if your phone has one, and then place it back in with the phone turned on. If the SIM card is dirty, clean it. If it has any physical defects, you may need to replace it.

You’ll need a SIM card tool — usually included in your phone’s box — or an unfolded paper clip or sewing needle to get the SIM tray out of your phone.

All phones: Remove the SIM card, check to see if it’s damaged and positioned in the SIM tray correctly, then put it back in your phone.

eSIM: For phones with an eSIM — that is, an embedded electronic SIM in your phone — there’s nothing for you to remove. The best you can do is restart your phone.

Check your carrier settings (and update your software)

Mobile carriers frequently send out carrier settings updates to help improve connectivity for calls, data and messages on their network. Although this feature is available on all iPhone models, it’s not universal on Android, so you might not find carrier settings if you don’t have a supported phone.

iPhone: Carrier updates should just appear, and you can update from the pop-up message that appears. To force your iPhone to check for a carrier settings update, go to Settings > General > About on your phone. If an update is available, you’ll be prompted to install it.

Android: As mentioned before, not all Android phones have carrier settings, so you’ll have to open the Settings app and type in «carrier settings» to find any possible updates. On supported Pixels, go to Settings > Network & internet > Internet, tap the gear next to your carrier name and then tap Carrier settings versions.

Reset your phone’s network settings

Sometimes all you need is a clean slate to fix an annoying connectivity issue. Refreshing your phone’s network settings is one way to do that. But be forewarned, resetting your network settings will also reset any saved Wi-Fi passwords, VPN connections and custom APN settings for those on carriers that require additional setup.

Android: In the Settings app, search for «reset» or more specifically «reset network settings» and tap on the setting. On the Pixel, the setting is called Reset Wi-Fi, mobile & Bluetooth. After you reset your network settings, remember to reconnect your phone to your home and work Wi-Fi networks.

iPhone: Go to Settings > Transfer or Reset iPhone > Reset > Reset Network settings. The next page will warn you that resetting your network settings will reset your settings for Wi-Fi, mobile data and Bluetooth. Tap Reset Network Settings and your phone will restart.

Contact your phone carrier

Sometimes unexpected signal issues can be traced back to problems with your wireless carrier. A cell tower could be down, or the tower’s fiber optic cable could have been cut, causing an outage.

For consistent problems connecting to or staying connected to a cellular or data network, it’s possible your carrier’s coverage doesn’t extend well into your neighborhood.

Other times, a newfound signal issue can be due to a defect with your phone or a SIM card that’s gone bad. Contacting your carrier to begin troubleshooting after you’ve tried these fixes is the next best step to resolving your spotty signal.

If all else fails, try a signal booster to improve cell reception

If after going through all of our troubleshooting steps, including talking to your carrier to go over your options, you’re still struggling to keep a good signal — try a booster. A signal booster receives the same cellular signal your carrier uses, then amplifies it just enough to provide coverage in a room or your entire house.

The big downside here is the cost. Wilson has three different boosters designed for home use, ranging in price from $349 for single room coverage to $999 to cover your entire home. To be clear, we haven’t specifically tested these models. Wilson offers a 30-day money-back guarantee and a two-year warranty should you have any trouble with its products.

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Technologies

Today’s NYT Strands Hints, Answers and Help for Aug. 24 #539

Here are hints and answers for the NYT Strands puzzle for Aug. 24, No. 539.

Looking for the most recent Strands answers? Click here for our daily Strands hints, as well as our daily answers and hints for The New York Times Mini Crossword, Wordle, Connections and Connections: Sports Edition puzzles.

Today’s NYT Strands puzzle is a tough one. Long words, short words, they’re all over the map. If you need hints and answers, read on.

I go into depth about the rules for Strands in this story.

If you’re looking for today’s Wordle, Connections and Mini Crossword answers, you can visit CNET’s NYT puzzle hints page.

Read more: NYT Connections Turns 1: These Are the 5 Toughest Puzzles So Far

Hint for today’s Strands puzzle

Today’s Strands theme is: Plug your ears.

If that doesn’t help you, here’s a clue: Check the decibel level.

Clue words to unlock in-game hints

Your goal is to find hidden words that fit the puzzle’s theme. If you’re stuck, find any words you can. Every time you find three words of four letters or more, Strands will reveal one of the theme words. These are the words I used to get those hints but any words of four or more letters that you find will work:

BLAST, LAST, LABS, TING, STING, BOOT, DENT, DENTS, GOON, NITS, SIRE, STIR, RISE, ROSE

Answers for today’s Strands puzzle

These are the answers that tie into the theme. The goal of the puzzle is to find them all, including the spangram, a theme word that reaches from one side of the puzzle to the other. When you have all of them (I originally thought there were always eight but learned that the number can vary), every letter on the board will be used. Here are the nonspangram answers:

LOUD, NOISY, BOOMING, BLASTING, STRIDENT, BOISTEROUS

Today’s Strands spangram

Today’s Strands spangram is HUBBUB. To find it, look for the H that’s five letters down on the far-right row, and wind backwards.

Toughest Strands puzzles

Here are some of the Strands topics I’ve found to be the toughest in recent weeks.

#1: Dated slang, Jan. 21. Maybe you didn’t even use this lingo when it was cool. Toughest word: PHAT.

#2: Thar she blows! Jan.15. I guess marine biologists might ace this one. Toughest word: BALEEN or RIGHT.

#3: Off the hook, Jan. 9. Similar to the Jan. 15 puzzle in that it helps to know a lot about sea creatures. Sorry, Charlie. Toughest word: BIGEYE or SKIPJACK