- cross-posted to:
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- cross-posted to:
- [email protected]
- [email protected]
Maybe I shouldn’t be as pissed as I am but, for me, I like using my Apple card for autopay because I get 3% back with T-Mobile charges. What I like to do is use my CCs to max my rewards / cash back and then pay off my card each month.
Maybe I’m overreacting, but I’m not happy about this. Of course I don’t want to pay an additional $40 a month on my phone bill so yes, I’m switching autopay to a Privacy card, but F—, man.
Okay, I’m done lol
Credit cards charge the companies fees. Your $100 bill payment might only be $98 once it gets to them, because Visa/MC/etc took $2. But most importantly, it strips away any protection you have against incorrect charges. With a credit card on file, you can dispute charges, even demand a charge-back. But with a debit card or bank transfer? Your money is gone, too bad for you.
You can absolutely dispute incorrect debit card transactions and receive your money back. Here’s instructions for Chase Bank for example: https://www.chase.com/digital/customer-service/helpful-tips/personal-banking/desktop/dispute-transaction It’s just that the time limits for reporting are tighter - 60 days for Chase debit IIRC.