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

The Duskbloods Is New FromSoftware Gaming Action Coming to Switch 2 in 2026

Talk about a surprise for the new Switch.

FromSoftware had a big day with the Switch 2 Direct. The company revealed a new game called The Duskbloods and confirmed that its smash-hit action RPG Elden Ring is coming to the new console, which launches on June 5 for $450.

The Duskbloods is exclusive to the Switch 2, which was a surprise announcement during the Switch 2 Direct. According to FromSoftware, the game is a player vs. player vs. enemy, or PvPvE, online multiplayer game similar to the developer’s upcoming Elden Ring: Nightreign.

Players will be part of the Bloodsworn, which is a group that has «transcended human strength thanks to their special blood.» Each individual will be playing against each other as well as taking on other foes.

The game features some mainstays for FromSoftware games, with a gothic tone and a focus on gore, like its popular Bloodborne game for the PS4. It does appear that characters have a few more abilities than seen in previous games from the cult developer.

The Duskbloods will release sometime in It will be released in 2026.

The Switch 2 will launch on June 5 and preorders will start on April 9 at retailers. The new console will feature plenty of third-party support, with major games like Borderlands 4, Madden and Civilization 7 coming from other publishers.

Technologies

Today’s NYT Mini Crossword Answers for Thursday, April 3

Here are the answers for The New York Times Mini Crossword for April 3.

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.

Today’s NYT Mini Crossword has two similar clues, 5-Across and 6-Across. They both play off the same idea — using the first part of two words to make one, all food-related. I didn’t get that at first, so I struggled with those two clues. Need some help with today’s Mini Crossword? Read on. And if you could use some hints and guidance for daily solving, check out our Mini Crossword tips.

The Mini Crossword is just one of many games in the Times’ games collection. 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 at those Mini Crossword clues and answers.

Mini across clues and answers

1A clue: Hit the ___ (go to bed)
Answer: SACK

5A clue: Misleading name for a sub/shish kebab restaurant?
Answer: SUSHI

6A clue: Misleading name for a taco/pasta restaurant?
Answer: TAPAS

7A clue: Certain sports bets
Answer: OVERS

8A clue: Cooped (up)
Answer: PENT

Mini down clues and answers

1D clue: Almost *too* sophisticated and charming
Answer: SUAVE

2D clue: Upscale Colorado skiing destination
Answer: ASPEN

3D clue: Word after bar or pie
Answer: CHART

4D clue: Smooch
Answer: KISS

5D clue: Word on an eight-sided traffic sign
Answer: STOP

How to play more Mini Crosswords

The New York Times Games section offers a large number of online games, but only some of them are free for all to play. You can play the current day’s Mini Crossword for free, but you’ll need a subscription to the Times Games section to play older puzzles from the archives.

Technologies

Nintendo Switch 2: Everything We Know About the Console, New Games, Release Date

The $450 console will get Mario Kart World at launch, 4K gaming when docked, Switch 2 Edition game enhancements and new mouse controls.

The Nintendo Switch 2 console’s biggest reveal yet arrived Wednesday morning as part of the company’s Nintendo Direct event. This teed up a day of Switch 2 reveals that include its June 5 release date, a $450 price, its specs, and its initial game lineup that extends from launch into 2026.

The console will be further buoyed by having Mario Kart World as a launch title, which will go on sale in either a $500 bundle with the Switch 2 or on its own for $80 — making the open-world racing game one of Nintendo’s most expensive yet. Other games announced, such as Donkey Kong Bananza, are being priced around $70, which matches the cost of 2023’s The Legend of Zelda: Tears of the Kingdom. That Zelda game and Breath of the Wild are among the original Switch titles that will get enhanced Nintendo Switch 2 Edition upgrades, a premium upgrade allowing players to get new features, modes and graphical enhancements that take advantage of the newer system’s capabilities.

Here are the top highlights from Nintendo’s console event, all of the games we’ve heard about so far (including new titles, Nintendo Switch 2 Edition titles and GameCube games coming to Nintendo Switch Online) and all of our coverage so far. You can also check out our Nintendo Switch 2 live blog for even more updates about the Switch 2 as we learn them.

Nintendo Switch 2 console

The Nintendo Switch 2’s specs saw a noticeable technical bump over the Switch. The Nintendo Switch 2 has a 7.9-inch, 1080p resolution LCD that supports a 120Hz refresh rate — matching what we now see on most Android phones. When the Switch 2 is docked, compatible games can run in 4K resolution. The new dock also includes a cooling fan.

The Switch 2 comes with 256GB of internal storage, and the new Switch 2 Game Cards will load games faster. For digital libraries, however, the Switch 2 will only work with microSD Express cards, which are different from the microSD cards that are compatible with the prior Nintendo Switch. Nintendo will have a Software Transfer feature available to help move games and data from the original Switch to the Switch 2.

The new Joy-Con for the controllers will support mouse controls, and a new C button will be part of a new GameChat communication feature that allows both voice and video chat. There’s also a Nintendo Switch 2 Camera, allowing players to see each other.

The Switch 2 also adds a second USB-C port to the top of the system, which Nintendo says can help connect its new camera accessory or charge the console when playing in tabletop mode. Nintendo also revealed a new Switch 2 Pro Controller with the C button and customizable GL and GR buttons on the back.

Following the presentation, Nintendo unveiled the system’s price of $450 in the US. It will also sell the Switch 2 bundled with a digital version of Mario Kart World for $500.

Mario Kart World

Mario Kart World removes its traditional boundaries and lets drivers roam freely across an entire world of race courses. The game will get its own Nintendo Direct later this month, where we’ll see additional details, but we already know it’ll include traditional races and a Free Roam mode, much like in the Forza Horizon series.

Getting the game bundled for an extra $50 on the cost of the Switch 2 might be the move if you are interested in the game, because Nintendo announced on its website that standalone copies of Mario Kart World will cost $80.

Joy-Con 2 C button and GameChat

Nintendo’s rolling out its new C button across several new Switch 2 controllers. The button will be used for the new GameChat communication features without a headset. The button will be used alongside a microphone on the console itself, which Nintendo says can be used whether it’s docked to a TV or in handheld mode.

In its teaser video, Nintendo promises the microphone will be able to cancel out loud background noises. GameChat will also work with a Nintendo Switch 2 Camera, allowing video chat and various camera-based game modes in supported titles. GameChat will be free at launch through March 31, 2026.

Nintendo Switch 2 Edition games upgrade titles

The Nintendo Switch 2 will play three types of games: original Switch games, Switch 2 games and Switch 2 Edition games that will receive substantial enhancements. For many of these Switch 2 Edition games, you’ll need to buy an upgrade pack if you own the original for Switch. Many of them will get more than just enhanced graphics in the upgrade; for example, Super Mario Party Jamboree will get new games that support the new Joy-Cons’ mouse controls, audio recognition and video camera gameplay options through the Switch 2 Camera.

Other Nintendo Switch games that are getting Switch 2 Edition options include The Legend of Zelda Breath of the Wild, The Legend of Zelda Tears of the Kingdom, Kirby and the Forgotten Land, Metroid Prime 4 Beyond and Pokemon Legends: Z-A. Enhancements vary: The Zelda games will start working with a companion phone app for maps and sending schematics to friends, while Kirby will get a new story that’s exclusive to the Switch 2 Edition. On the third-party side, Civilization 7 will get mouse controls.

Nintendo did not announce what upgrade packs will cost. However, some Switch games will get free updates that will improve performance or enhance features when playing them on the Switch 2. The Switch games getting these updates include:

Hyrule Warriors: Age of Imprisonment

Hyrule Warriors: Age of Imprisonment is a new game set in the world of Zelda that tells the story that leads into The Legend of Zelda: Tears of the Kingdom. This appears to be similar to how Hyrule Warriors: Age of Calamity told the story of a war that led to the events of Breath of the Wild. The teaser shows Zelda discovering that she’s arrived in the past of Hyrule, and the game will expand on how she gets involved in the corresponding Imprisonment War.

Nintendo Switch 2 games

Several other first- and third-party games were spotlighted during the Switch 2 Direct. These include Donkey Bananza, one of the first 3D platforming games featuring DK since 1999’s Donkey Kong 64. Kirby will also return to the racing genre in Kirby Air Riders, which comes more than 20 years after the GameCube racer Kirby’s Air Ride. DragXDrive will use mouse controls to control a futuristic wheelchair basketball game in which players will simulate push and pull motions to control their character.

An onslaught of Switch 2 third-party games were quickly shuffled through during the Direct, which I list below. An unnamed James Bond game is in development at Hitman studio IO Interactive, as is a darker title from Elden Ring creator FromSoftware called The Duskbloods, which will be exclusive to the Switch 2.

The full list of announced Nintendo Switch 2 games includes:

Borderlands 4
Bravely Default Flying Fairy HD Remaster
Cyberpunk 2077: Ultimate Edition
Daemon X Machina: Titanic Scion
Deltarune
Donkey Kong Bananza
Drag x Drive
EA Sports FC
EA Sports Madden NFL
Elden Ring Tarnished Edition
Enter the Gungeon 2
Fast Fusion
Final Fantasy 7 Remake Intergrade
Fortnite
Hades 2
Hitman World of Assassination — Signature Edition
Hogwarts Legacy
Hollow Knight: Silksong
Hyrule Warriors: Age of Imprisonment
Kirby Air Riders
Kirby and the Forgotten Land — Nintendo Switch 2 Edition and Star-Crossed World
Kunitsu-Gai: Path of the Goddess
Mario Kart World
Metroid Prime 4: Beyond — Nintendo Switch 2 Edition
NBA 2K
Nintendo Switch 2 Welcome Tour
Nobunaga’s Ambition: Awakening Complete Edition
Pokemon Legends: Z-A — Nintendo Switch 2 Edition
Project 007
Puyo Puyo Tetris 2S
Rune Factory: Guardians of Azuma — Nintendo Switch 2 Edition
Sid Meier’s Civilization 7 — Nintendo Switch 2 Edition
Split Fiction
Star Wars Outlaws
Starseeker: Astroneer Expeditions
Street Fighter 6
Super Mario Party Jamboree — Nintendo Switch 2 Edition and Jamboree TV
Survival Kids
The Duskbloods
The Legend of Zelda: Breath of the Wild — Nintendo Switch 2 Edition
The Legend of Zelda: Tears of the Kingdom — Nintendo Switch 2 Edition
Tony Hawk’s Pro Skater 3 and 4
WWE 2K
Yakuza 0 Definitive Edition

Among these titles, you can see the full list of June 5 Switch 2 launch day games here.

Nintendo GameCube library coming to Switch 2

The Nintendo Switch Online game library will add GameCube games to the Switch 2. On launch day, these games will initially include The Legend of Zelda: The Wind Waker, SoulCalibur 2 and F-Zero GX, with each game getting enhanced graphics. Online multiplayer will also be added to certain titles. Super Mario Sunshine, Super Mario Strikers and Luigi’s Mansion are among the games set to arrive later. At launch, Nintendo will also sell a GameCube controller, which will be wireless and include a C button for GameChat.