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Does Chase Freedom Flex Cell Phone Insurance Work With Auto Pay?
I’m in a bit of a pickle with T-Mobile’s adjustments to their autopay system.
They’re nudging users to switch away from credit cards for autopay if they want discounted rates.
Although I can still make manual payments using the credit card, I’m unsure whether this shift might affect the validity of my Chase Flex Freedom phone insurance.
Any insights on whether discontinuing autopay but still using the credit card for payments meets Chase’s requirements for maintaining the phone insurance?
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4 Replies
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Haven’t used it (insurance) since the change – we have a debit card set up for Autopay but also manually pay all but $5 with CCs.
You must pay your Cell bill in full – we also have T-mo 5G home internet billed with our Cell bill its $45 with Autopay.
So “technically” we met the explicit terms of “paying full cell bill bla bla bla for the previous billing cycle” (paraphrased).
I have read DPs of people paying their full bill with a card manually a few days before auto pay – and they still get the autopay discount (haven’t felt like gambling the $40 AP discount to try yet – but T-mo has been pretty good at crediting various things in the past – even the Home Internet $50 GC credit promo that came out a few months after we signed up – so I may start trying it.
That said we used the Chase Cell phone insurance/purchase protection 4X in 2018/19 CIP and CIC 90 day purchase protection on cracked screens. (All had cases as well).
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I’m pretty sure they only care that you’ve paid your cell phone bill with the card, not whether it was autopay.
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Chase has absolutely no way to know if the payment was automatically scheduled or manually paid.
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I don’t think Chase will care if it’s autopay or not.
You’ll still have paid for the month with your credit card.
I get around this whole issue by buying T-Mobile access through Google Fi.
Fi has been great n especially internationally and autopay is always via credit card.
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