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

Today’s NYT Strands Hints, Answers and Help for April 28, #421

Here are hints and answers for the NYT Strands puzzle No. 421 for April 28.

Looking for the most recent Strands answer? 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 has a very strange, long spangram, but the answers themselves are short and pretty easy to solve. 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: My bad!

If that doesn’t help you, here’s a clue: Uh-oh!

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:

NUMB, TOLE, POLE, POLES, SPIT, PITS, SOPPY, BREW, TALE, DUMB, DUMBS, ALTER, LETS, BALE, BALES.

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’ve got 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:

SLIP, SPILL, FALTER, TOPPLE, BLUNDER, STUMBLE.

Today’s Strands spangram

Today’s Strands spangram is WHOOPSIEDAISY.To find it, start with the W that’s four letters down on the far right row, and wind across, and then down.

Technologies

Today’s NYT Connections Hints, Answers and Help for April 28, #687

Hints and answers for Connections for April 28, #687.

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

As an ’80s girl, I immediately spotted the four words in the yellow category of today’s Connections puzzle. I definitely had at least three of those products in my college apartment, so that was an easy solve. And since I read a lot of Nancy Drew and Agatha Christie, the blue category came along pretty easily, too. Read on for clues and today’s Connections answers.

The Times now has a Connections Bot, like the one for Wordle. Go there after you play to receive a numeric score and to have the program analyze your answers. Players who are registered with the Times Games section can now nerd out by following their progress, including number of puzzles completed, win rate, number of times they nabbed a perfect score and their win streak.

Read more: Hints, Tips and Strategies to Help You Win at NYT Connections Every Time

Hints for today’s Connections groups

Here are four hints for the groupings in today’s Connections puzzle, ranked from the easiest yellow group, to the tough (and sometimes bizarre) purple group.

Yellow group hint: Bought at Ulta, maybe.

Green group hint: Not fancy.

Blue group hint: Nancy Drew would spot these.

Purple group hint: Yawn.

Answers for today’s Connections groups

Yellow group: Hair products.

Green group: Austere.

Blue group: Clues at a crime scene.

Purple group: Weary.

Read more: Wordle Cheat Sheet: Here Are the Most Popular Letters Used in English Words

What are today’s Connections answers?

The yellow words in today’s Connections

The theme is hair products. The four answers are gel, mousse, spray and wax.

The green words in today’s Connections

The theme is austere. The four answers are bare, plain, simple and spare.

The blue words in today’s Connections

The theme is clues at a crime scene. The four answers are fiber, fingerprint, hair and tire mark.

The purple words in today’s Connections

The theme is weary. The four answers are bore, drain, exhaust and tire.

Technologies

Step Out of the Shadows. How to Turn Off Your iPhone’s Incognito Mode

The iPhone’s incognito mode is ideal for sensitive searches and avoiding targeted ads. But there are time when you may want to turn it off.

At a time when privacy and security have become hot topics, it’s smart to look at how you’re using protections built-in your phone. The iPhone’s private browsing, also known as incognito mode, serves as a digital cloak — allowing you to surf the web without leaving traces. Private browsing works on Apple’s Safari browser and some third-party browsers like Chrome.

There are a whole range of reasons to take advantage of incognito mode. You might be using a shared device, researching sensitive topics (maybe a surprise gift idea?) or dialing your privacy precautions up a notch by working to circumvent targeted ads or third-party cookies. This is when incognito mode becomes something of a confidante, and it gives you an added layer of privacy protection.

But once you’ve finished, you might want to step out of incognito mode on your iPhone and allow your browser to remember your steps. For example, maybe you’re logged into your account on a retailer’s website and don’t want to have to log back in every time you visit the page. Let’s proceed with a step-by-step guide on how to exit incognito mode on an iPhone, using Safari and Chrome.

How to exit incognito mode on Safari

1. Open Safari: Launch the Safari browser on your iPhone. You’ll find its icon on the home screen.

2. Look for the Tabs button: At the bottom right corner of the screen, you’ll see a square icon overlapping another square. Tap on it. This button represents your open tabs.

3. View all tabs: Once you tap the Tabs button, you’ll see a screen displaying all your open tabs. These tabs might include regular browsing tabs, any Tab Groups you’ve made and any incognito tabs you’ve opened called Private Browsing.

4. Close incognito tabs: Swipe left on any private or incognito tabs you want to close. After closing all incognito tabs, you’re officially out of incognito mode! You’ll now be browsing in regular mode, and your browsing history will be saved. If you have too many tabs open and prefer not to close every single one, you can simply swipe left in the view all tabs screen from Private/incognito tabs to get back on regular mode.

How to exit Incognito mode on Chrome on your iPhone

If you use Google’s Chrome browser, you’ll follow a familiar process to leave incognito mode.

1. Open Google Chrome: Launch the Chrome browser on your iPhone.

2. Look for the Tabs Button: At the bottom right corner of the screen, you’ll see a square icon with a number on it (if you have open tabs). Tap on it. This button represents your open tabs and the number corresponds with how many tabs you have open.

3. Leave Incognito mode: After tapping on the tabs button, you’ll be able to switch between incognito browsing or regular browsing by tapping the Incognito icon or the regular browsing icon. The Incognito icon is a pair of glasses and a fedora to resemble a secret disguise. To go back to browsing on regular mode, simply tap the square button with the number on it.

How to permanently turn off private browsing on an iPhone

You can also remove the private browsing tab on Safari. In Settings under Screen Time, when you switch Web Content from «Unrestricted» to «Limit Adult Websites,» the iPhone reboots Safari and removes Private Browsing from the Tabs view. To get to the setting you open Settings, tap Screen Time, tap Content & Privacy Restrictions, tap Store, Web, Siri & Game Center Content, select Web Content and tap Limit Adult Websites.

Remember, using incognito mode isn’t foolproof — it won’t hide your activity from your internet service provider or certain extensions. But it’s supposed to offer that extra layer of privacy when needed.