T-Mobile customers have been hit with a plethora of changes such as price hikes and shifts in policy over the past few months. More changes are reportedly on the way since the company will soon be under new leadership.

In September, T-Mobile announced that Mike Sievert will step down as CEO of the company, effective Nov. 1, and Srini Gopalan, who is currently the company’s chief operating officer, will be his successor. 

Shortly after T-Mobile unveiled its upcoming CEO shakeup, several leaked internal documents revealed the phone carrier’s plans to roll out huge policy changes that will affect customers.

  • One document flagged that T-Mobile reportedly plans to make customers 100% dependent on its T-Life app to handle upgrades, new lines, account activations, etc., by January. 
  • Another showed that the phone carrier will soon start to accept damaged or broken devices as trade-ins for promotions, but for a reduced value compared to undamaged ones.
  • Earlier this month, a leaked document also revealed that the phone carrier is preparing to phase out its LTE service (4G network) over the next two years. 
  • T-Mobile even recently began warning customers who pay their bills late that, starting Nov. 1, its late fee will increase from $7 to $10, or 5% of the past due balance, whichever is higher. 
  • Just last week, leaked internal documents unveiled T-Mobile’s decision to retire its JUMP! On Demand program on Dec. 1. The company later confirmed this change on its website. 
T-Mobile has been quietly planning major changes for customers.

Image source: Anna Moneymaker/Getty Images

T-Mobile removes a sneaky discount loophole customers took advantage of

Another change the customers can now add to the list is T-Mobile’s decision to close a major loophole that allowed credit card customers to obtain the company’s $5 autopay discount. 

In 2023, T-Mobile removed the autopay discount for customers who pay their monthly bills with credit cards.

However, some customers found a sneaky way to get past the new rule. Customers would update the payment method attached to their T-Mobile account with one eligible for the autopay discount, but they would pay their monthly bill early using a credit card. 

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T-Mobile has had enough of the games and has officially closed the loophole, a change that took effect on Oct. 24. Customers who make early payments with a credit card will lose their discount for that billing cycle. 

It is no surprise that T-Mobile removed the loophole, as credit card processing fees for businesses are increasing across the country. 

According to recent data from the Merchants Payments Coalition, swipe fees for Visa and Mastercard credit cards totaled $111.2 billion in 2024, up from $100 billion the year before. This is an increase of more than 10% in one year alone. 

“With no competition to hold them in check, price-fixed swipe fees rise every year and shot up again last year,” said Christine Pollack, Merchants Payments Coalition executive committee member, in a press release. 

T-Mobile customers are frustrated with the new autopay rule 

Many T-Mobile customers are unhappy about the change, with many taking to social media platform Reddit to express frustration with losing the loophole. 

“Well there goes the free phone insurance that comes with my Amex platinum, which will now cost me $35/month. This carrier has become exhausting,” wrote one T-Mobile customer.

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“So my bill is going up $40 dollars a month? For…. The privilege of paying them? Lmao, what a bad joke. Might be time to close the 15 line account and just go deal with visible or something,” wrote another. 

“Looks like I’ll be canceling two lines on my account to make up the 40$ autopay difference,” threatened another customer. 

The move from T-Mobile also comes after it revealed in its third-quarter earnings report for 2025 that it earned $21.9 billion in total revenue during the quarter, which is almost 9% higher than what it generated during the same quarter in 2024. 

During an earnings call on Oct. 23,  Sievert said “the company has never been more successful.”

Related: T-Mobile plans a harsh change for customers after new CEO starts