T-Mobile no longer offers Autopay discounts for credit cards. Only debit cards (which have less fraud protection) or directly linking a bank account for ACH.

T-Mobile no longer offers Autopay discounts for credit cards. Only debit cards (which have less fraud protection) or directly linking a bank account for ACH. How many data breaches have taken place at US telcos, leaking information for millions of consumers? With FedNow coming online at some US banks, transaction-level data would be visible to the central bank. Connecting mobile phone billing to bank accounts can create a digital identity link between online traffic and legal identity. Such a link can be used for content "personalization", admission control, credit scoring, custom pricing, and more. There is a U.S. regulatory effort to end the fees associated with credit cards which pay for points, airline/hotel miles, etc. Ignoring for a moment that these fees constitute the bulk of airline profits, the end of these fees would further influence the choice of cashless credit payments vs cashless debit/ACH payments. Future payments like CBDCs are unlikely to have the perks of Present credit cards. CBDC downsides have been discussed on HN and elsewhere. It is technically possible to have cashless payment systems which preserve transaction freedom, without artificially conflating payments with digital identity. Even then, there will always be a role for physical payment mechanisms like cash.