Technologies

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

Commentary: Getting free phone insurance was a fabulous perk, but now it’s time to explore new options.

T-Mobile is the latest carrier to change how it gives out auto pay discounts: Starting Tuesday, 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 cell phone 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 (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. 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.

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… for now

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.

I had hoped to pocket my monthly installment money from paying off my phone to help offset the many price increases we’re now seeing for services across the board. Instead, I’m going to take that money — which is roughly $26 per month – and start the phone repair slush fund. It will then be enough to pay for a battery replacement in just under four months.

Should this fund instead go toward buying a new 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

AI Agents at Work: Microsoft Copilot Is Getting Its Own Version of Claude Cowork

Built in collaboration with Anthropic, Microsoft’s new tool can create spreadsheets, run reports and do research autonomously.

Microsoft Copilot probably isn’t something you think about a lot, unless your company pays for you to use it at work. Microsoft has been fighting for consumers whose hearts and minds were quickly captured by other AI tools like ChatGPT and Gemini. The company’s latest wave of agentic updates, announced Monday, is its sharpest weapon yet.

The biggest new feature is Copilot Cowork, built in collaboration with Anthropic. If you’ve heard of or used Anthropic’s Claude Cowork, Microsoft’s version will feel similar. Copilot Cowork can use information in your files, email and calendar to independently complete assignments, no human supervision needed. It can create spreadsheets, run reports and do research for you.

«Cowork is the new chat. It’s the new way of interacting with AI,» said Charles Lamanna, Microsoft president of business apps and agents. Instead of overseeing AI and chatting with it, we can now entirely delegate tasks to it like a fellow team member. «With chat, you’re babysitting every step — this is much more like ‘fire and forget’ with Cowork to get the job done.»

For example, Lamanna said he used Cowork to analyze his meeting calendar for the next three months. The AI used his email and calendar history to understand what upcoming meetings may not be necessary for him to attend, and it pulled together its recommendations in an easy-to-view chart. After Lamanna reviewed it, Cowork declined some meetings, with AI-written meeting notes attached if needed. The AI’s 40-minute «delightful and practical» process saved him and his executive assistant hours worth of time so they could focus on more important duties.

Cowork is rolling out now on a limited basis as it’s a research preview concept. Microsoft also announced it will be making its AI agent platform, Agent 365, generally available on May 1. Agent 365 is a way for companies to oversee and manage all of the agents, or bots, that employees are using for their work. Microsoft itself has created more than a half-million AI agents using Agent 365, the company shared in a statement. New AI models from Anthropic and OpenAI will also be made available in Copilot. Smartly, the company isn’t picking a side in the growing feud between the AI startups.

Agentic AI at work

Agentic AI tools like the ones Microsoft is building are extremely popular for workers. Despite only being a research preview, Claude Cowork has garnered a lot of fans — and sparked a lot of worry on Wall Street. Major tech stocks fell at the end of January as Anthropic’s AI developments cast doubts on the future of work.

New AI tools like Cowork, Claude Code and even OpenAI’s Codex are becoming increasingly capable of replacing traditional software products, like the kind Microsoft is known for. So it makes sense that Microsoft would want to bring that agentic prowess to its own AI. Agentic AI has been a major area of focus for AI companies recently. OpenClaw, an open source agentic project that went viral this year, is one of many examples of why tech execs think 2026 will be the year of agentic AI.

Lamanna said that «the shape of what we do on a day-to-day basis will change,» but AI ought to give time back to people to focus on high-value tasks. We’re entering a new arc, going from having a human use AI to do a task quicker to delegating it entirely to an AI agent, he said.

As this tech becomes more available, there are a lot of questions about the best way to integrate AI into our work lives. Many workers are worried about having their jobs replaced by AI, fueled by AI-centric layoffs at Amazon and Block. For those who manage to keep their jobs, one study found that AI may actually make their work days longer and less enjoyable. Like any new tech, the implementation of AI will determine how effective it is — and how much it actually helps you.

Technologies

My iPhone 17E Review in Progress: The Appeal Is Magnetic (and Pink)

Apple’s new $599 budget phone brings MagSafe compatibility, higher base storage and an A19 chip. That makes the trade-offs easier to swallow.

I never thought MagSafe’s haptic feedback could be so satisfying.

I’ve been using Apple’s $599 iPhone 17E, which brings MagSafe’s magnetic technology to its lowest-priced handset. Beyond the added convenience of easily attaching chargers and accessories, this signals Apple’s efforts to expand once-premium features across its full iPhone lineup, no matter how much you’re willing to pay. Plus, the addition of a fresh color warms my pink-loving heart.

The iPhone 17E borrows other features from the $829 baseline iPhone 17. The budget option packs the same A19 chip (albeit with a four-core GPU instead of five), an action button and a 48-megapixel main camera. It starts with 256GB of storage, making that $599 price more enticing — even if it’s arguably pushing the limits of what’s considered a «budget» phone. But the fact that I have to double-check whether I’m reaching for the iPhone 17E or the 17 is surely a good sign that the gap between the two is narrowing — and in the right direction.

Other aspects of the 17E serve as a reminder that you get what you pay for. The bezels are noticeably thicker than on Apple’s more premium options. There’s no Dynamic Island for system notifications and Live Activities, but rather an old-school notch at the top. A fixed 60 Hz display also means there’s no always-on display, so I can’t quickly glance at the time or my notifications — something that’s been hard to get used to.

There’s a lot that makes the iPhone 17E feel like a worthy lower-priced option. And for most people, the compromises shouldn’t feel too glaring, especially when you’re saving a couple hundred dollars.

The iPhone 17E is available to preorder now, and hits store shelves on March 11.

iPhone 17E look, feel and display

One of my favorite things about the iPhone 17E is that it doesn’t sacrifice the premium look and feel of its pricier counterparts. Like the other iPhone 17 models, the iPhone 17E’s back glass has a satisfying matte finish that’s resistant to fingerprints. An aluminum frame keeps it feeling nice and light at 169 grams, compared to 177 grams on the iPhone 17.

The iPhone 17E’s 6.1-inch display is just slightly smaller than the 6.3-inch display on the iPhone 17, a difference that’s hardly noticeable. The lower-priced option shares the same Ceramic Shield 2 cover glass, which Apple says has three times better scratch resistance than the iPhone 16E’s display, and 33% less reflection.

The 60Hz refresh rate is a step down from the 1-120Hz adaptive refresh rate you’ll get on Apple’s other phones, but it’s a nearly imperceptible difference unless you’re gaming. Personally, the biggest downside to this limitation is not having an always-on display, which I rely on extensively to peek at the time and see all my notifications at a glance. Going without that feature has taken some getting used to.

While the iPhone 17 supports 1,600 nits HDR peak brightness, the iPhone 17E tops out at 1,200 nits peak HDR brightness. Holding the phones side by side, I can see the difference, but the 17E looks just fine, even in the California sunshine.

The iPhone 17E’s smaller size can either be a benefit or a drawback, depending on your preferences. I tend to gravitate toward larger phones, so typing and scrolling on a smaller frame was a bit of an adjustment. But if you want a more compact device that’ll fit in practically any pocket, you’ll dig the 17E’s dimensions.

This year, Apple decided to branch out and add a soft pink color option to its budget line, along with the standard black and white. Luckily, I got paired with a pink model that takes on a pastel-like, blush hue that’s certainly more subdued than the bold orange of the iPhone 17 Pro. The subtle shade is nice if you want some color without making too much of a statement. I’m always happy when fun colors aren’t limited to the pricier models.

iPhone 17E camera gets some minor upgrades

Similar to last year’s budget iPhone, the iPhone 17E has a single 48-megapixel rear camera. With sensor cropping, it can also snap 2x telephoto images, which look as good as 1x photos to my eyes. A bonus perk of having just one rear camera is that it’s significantly less obtrusive than the camera bumps on other iPhone 17 models, particularly the Pros. It’s refreshing to go back to a phone I can hold without my fingers brushing against an ever-expanding camera platform.

Like my experience with the iPhone Air, the lack of an ultrawide camera feels limiting. It’s harder to take landscape photos or capture a wider scene — though if I had to choose between an ultrawide and a telephoto camera, I’d always pick the latter. I’m much more likely to punch into something to show more detail than take a dramatically wider shot.

The iPhone 17E has a 12-megapixel selfie camera, drawing another parallel to the iPhone 16E. The 17E doesn’t get the Center Stage camera feature that debuted on the iPhone Air and 17, which can automatically switch between portrait and landscape orientation as more people come into the frame without you rotating your phone. I don’t see this as much of a loss; in fact, I keep Center Stage disabled on my iPhone 17 Pro Max, largely because old habits die hard and I just end up rotating my phone manually anyway.

Not having Cinematic mode for video on the budget line is still a bummer, since I rely on it for more professional-looking clips with blurred backgrounds. But if trade-offs have to be made, that’s a manageable one.

The hardware feature I’ve struggled without is the Camera Control button — not because I ever use it as a shortcut to Apple’s Visual Intelligence, but because that’s how I almost exclusively launch the iPhone’s camera now. I like having a physical button that’s easy to trigger (perhaps too easy for some) when I want to quickly snap a photo. Without Camera Control on the iPhone 17E, you’ll have to open the camera the old-fashioned way by tapping on your screen, swiping the lock screen to the left or using the action button as a camera shortcut. Though I don’t think most people will mind that, especially if you’re coming from a phone that never had Camera Control in the first place. And you can access Visual Intelligence from the iPhone 17E’s Control Panel.

Portraits get a nice boost on the iPhone 17E, compared to last year’s budget phone. Apple says the advanced image pipeline allows subjects to stand out more naturally against their bokeh-effect backgrounds. For example, a person will appear in sharper focus, including fringe details like their hair or the corner of their glasses, and the transition to the image’s blurred background looks a bit more gradual and realistic.

When you’re snapping pictures in the camera’s standard Photo mode, it’ll now automatically detect cats and dogs, in addition to people, and enable portrait shots without you having to switch to that setting.

And now, you can also adjust the focus point of a photo after you’ve snapped it by going to Edit in the Photos app and tapping where you want to focus. You can modify the amount of background blur, too. It’s great to see that flexibility and customization on Apple’s lower-tier phone.

Here are a few of my favorite photos I’ve taken on the iPhone 17E:

iPhone 17E battery and MagSafe compatibility

The iPhone 17E touts the same 26 hours of video playback as the iPhone 16E. On Apple’s product pages in the European Union, where it’s required to disclose battery capacity, that’s listed as 4,005 mAh, (the same as the 16E). Apple says the battery is aided by the power-efficient A19 chip, the new C1X cellular modem and the «advanced power management of iOS 26.»

In my first few days with the phone, the battery has held up impressively well. I started with a full battery at 10:12 a.m. on Saturday, and still had a healthy 48% by 8 p.m. When I woke up the next morning at 5:15 a.m. (yes, my sleep schedule has been completely thrown off by Mobile World Congress and jet lag), the phone was at 38%. I feel confident I can go about my day without worrying about the phone dying prematurely.

The iPhone 17E supports 20-watt wired charging. And with MagSafe and Qi2 compatibility, it can charge wirelessly up to 15 watts — double the 7.5 watts on the iPhone 16E. That’s still less than the 25-watt wireless charging (Qi2.2) the iPhone 17 supports, but it’s a worthy step up from last year.

With wired charging, the iPhone 17E went from 8% to 61% in half an hour. I look forward to testing MagSafe charging speeds as well.

I’ve enjoyed snapping MagSafe accessories such as cases and wallets onto the iPhone 17E simply because I can. I’ve also been tapping into Apple’s StandBy feature, which displays widgets while you charge your phone in landscape mode, including a calendar, clock and photos.

Final thoughts for now: Should you buy the iPhone 17E?

The iPhone 17E brings subtle yet welcome changes to Apple’s budget line — namely, MagSafe charging, a higher base storage level and a more advanced A19 chip. This year’s phone shares a lot in common with the iPhone 16E, especially when it comes to the cameras and battery capacity, but it still shines in both areas.

More notably, the iPhone 17E borrows a handful of features from the baseline iPhone 17, which costs $200 more. The phones have a similar feel, a 48-megapixel main camera and that A19 chip. You’ll spot some notable design differences, including the iPhone 17E’s prominent notch, wider bezels and the lack of a Camera Control button.

If you’re switching from an older iPhone like the iPhone 11 or 12, these are trade-offs you’ll hardly notice, especially in light of all the relative upgrades. Similarly, if you’re coming from another budget phone that’s a few years old, like the iPhone SE (2020) or an older Android counterpart, the improvements are sure to outweigh any missing premium features.

If you’re using last year’s iPhone 16E, the incremental changes don’t justify the upgrade, even with the long-awaited addition of MagSafe. Apple doesn’t appear to be targeting this demographic anyway, since its promotional materials largely compare the iPhone 17E to older models like the iPhone 11. That’s where the differences really stand out.

Apple iPhone 17E specs vs. Google Pixel 10A, Apple iPhone 17, Apple iPhone 16E

	Apple iPhone 17E	Google Pixel 10A	Apple iPhone 17	Apple iPhone 16E
Display size, tech, resolution, refresh rate	6.1-inch OLED display; 2,532×1,170 pixels; 60Hz refresh rate	6.3-inch POLED, 2,424×1,080 pixels, 60-120Hz variable refresh rate	6.3-inch OLED; 2,622×1,206 pixels; 1-120Hz variable refresh rate	6.1-inch OLED display; 2,532×1,170 pixels; 60Hz refresh rate
Pixel density	460 ppi	422 ppi	460 ppi	460 ppi
Dimensions (inches)	5.78×2.82×0.31	6.1×2.9×0.4	5.89×2.81×0.31	5.78×2.82×0.31
Dimensions (millimeters)	146.7×71.5×7.8	154.7×73.3×8.9	149.6×71.5×7.95	146.7×71.5×7.8
Weight (grams, ounces)	167g (5.88 oz.)	183 g (6.5 oz)	177g (6.24 oz.)	167g (5.88 oz.)
Mobile software	iOS 26	Android 16	iOS 26	iOS 18
Camera	48-megapixel (wide)	48-megapixel (wide), 13-megapixel (ultrawide)	48-megapixel (wide) 48-megapixel (ultrawide)	48-megapixel (wide)
Front-facing camera	12-megapixel	13-megapixel	18-megapixel	12-megapixel
Video capture	4K	4K	4K	4K
Processor	Apple A19	Google Tensor G4	Apple A19	Apple A18
RAM + storage	RAM unknown + 256GB, 512GB	8GB + 128GB, 256GB	RAM N/A + 256GB, 512GB	RAM unknown + 128GB, 256GB, 512GB
Expandable storage	None	None	None	None
Battery	4,005 mAh	5,100 mAh	3,692 mAh	4,005 mAh
Fingerprint sensor	None, Face ID	Under display	None, Face ID	None, Face ID
Connector	USB-C	USB-C	USB-C	USB-C
Headphone jack	None	None	None	None
Special features	MagSafe, Qi2 charging (up to 15W), Action button, Apple C1 5G modem, Apple Intelligence, Ceramic Shield, Emergency SOS, satellite connectivity, IP68 resistance	7 years of OS, security and Pixel feature drops, Gorilla Glass 3 cover glass, IP68 dust and water resistance, 3,000-nit peak brightness, 2,000,000:1 contrast ratio, 30W fast charging with 45W charging adapter (charger not included), 10W wireless charging Qi certified, Satellite SOS, Wi-Fi 6E, NFC, Bluetooth 6, dual-SIM (nano SIM + eSIM), Camera Coach, Add Me, Best Take, Magic Eraser, Magic Editor, Photo Unblur, Super Res Zoom, Circle to Search; colors: lavender, berry, fog, obsidian (black)	Apple N1 wireless networking chip: Wi-Fi 7 (802.11be) with 2×2 MIMO, Bluetooth 6, Thread, Action button, Camera Control button, Dynamic Island, Apple Intelligence, Visual Intelligence, dual eSIM, 1 to 3,000 nits brightness display range, IP68 resistance; colors: black, white, mist blue, sage, lavender; fast charge up to 50% in 20 minutes using 40W adapter or higher via charging cable; fast charge up to 50% in 30 minutes using 30W adapter or higher via MagSafe Charger	Action button, Apple C1 5G modem, Apple Intelligence, Ceramic Shield, Emergency SOS, satellite connectivity, IP68 resistance
US price starts at	$599 (256GB)	$500 (128GB)	$829 (256GB)	$599 (128GB)

Technologies

Today’s NYT Mini Crossword Answers for Monday, March 9

Here are the answers for The New York Times Mini Crossword for March 9.

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

Need some help with today’s Mini Crossword? Read on for all the answers. And if you could use some hints and guidance for daily solving, check out our Mini Crossword tips.

If you’re looking for today’s Wordle, Connections, Connections: Sports Edition and Strands answers, you can visit CNET’s NYT puzzle hints page.

Read more: Tips and Tricks for Solving The New York Times Mini Crossword

Let’s get to those Mini Crossword clues and answers.