topic Pointless Cell Phone Protection with Verizon AutoPay in Credit Cards

Pointless Cell Phone Protection with Verizon AutoPay

paulesport — Fri, 10 Jun 2022 15:09:41 GMT

I have Verizon wireless for two lines and I get $20 off my bill with AutoPay. But it must be connected to your bank account. Credit cards and debit cards are not eligible. So if I want the coverage from my Amex Delta Platinum or Barclays Arrival Plus, it’s the same as paying $10 insurance for each phone. So keep that in mind for any Verizon customers looking at that benefit from your cc.

Re: Pointless Cell Phone Protection with Verizon AutoPay

Anonymous — Fri, 10 Jun 2022 15:14:26 GMT

@paulesport wrote:
I have Verizon wireless for two lines and I get $20 off my bill with AutoPay. But it must be connected to your bank account. Credit cards and debit cards are not eligible. So if I want the coverage from my Amex Delta Platinum or Barclays Arrival Plus, it’s the same as paying $10 insurance for each phone. So keep that in mind for any Verizon customers looking at that benefit from your cc.

Debit cards should work just fine (although no insurance on them!) Various ways round this have been suggested recently, including Paypal bill pay.

Re: Pointless Cell Phone Protection with Verizon AutoPay

DSTforlife — Fri, 10 Jun 2022 15:17:02 GMT

i've been wondering why the phone companies are doing this. Is it to push their in house protection plans? i have AT&T wireless, and although they do allow you to pay for your cell bill with credit card, they deduct it 9 days before the due date...and if you pay with your debit card or checking account, it's on the due date (or like the day before). it's weird.

Re: Pointless Cell Phone Protection with Verizon AutoPay

paulesport — Fri, 10 Jun 2022 15:27:20 GMT

@DSTforlife wrote:
i've been wondering why the phone companies are doing this. Is it to push their in house protection plans? i have AT&T wireless, and although they do allow you to pay for your cell bill with credit card, they deduct it 9 days before the due date...and if you pay with your debit card or checking account, it's on the due date (or like the day before). it's weird.

That is definitely my only assumption. The cost is $6-$17 depending on coverage/customer type. Verizon claim is up to “$400 or $3000 depending on device.” And deductibles range “For all non-New York customers, the deductible for a replacement claim will be $19/$129/$189/$229/$249, depending on device. For New York customers, the deductible for a replacement claim will be $19/$49/$99/$149/$229, depending on device.” Whereas AmEx and MC deductibles are a simple $50 for $800-$1000 coverage depending on card. Cracked screens need approval and have $29 deductible with Verizon whereas AmEx includes cracked screens.

Re: Pointless Cell Phone Protection with Verizon AutoPay

increasingmyfico — Fri, 10 Jun 2022 15:44:36 GMT

@paulesport wrote:
I have Verizon wireless for two lines and I get $20 off my bill with AutoPay. But it must be connected to your bank account. Credit cards and debit cards are not eligible. So if I want the coverage from my Amex Delta Platinum or Barclays Arrival Plus, it’s the same as paying $10 insurance for each phone. So keep that in mind for any Verizon customers looking at that benefit from your cc.

Auto pay discount works with debit cards and only the VZW credit card.

Re: Pointless Cell Phone Protection with Verizon AutoPay

Shooting-For-800 — Sat, 11 Jun 2022 04:10:56 GMT

I have 8 lines and only 2 have insurance so it saves me a ton.

YMMV.

Re: Pointless Cell Phone Protection with Verizon AutoPay

EAJuggalo — Sun, 12 Jun 2022 23:54:47 GMT

@Anonymous wrote:
@paulesport wrote:
I have Verizon wireless for two lines and I get $20 off my bill with AutoPay. But it must be connected to your bank account. Credit cards and debit cards are not eligible. So if I want the coverage from my Amex Delta Platinum or Barclays Arrival Plus, it’s the same as paying $10 insurance for each phone. So keep that in mind for any Verizon customers looking at that benefit from your cc.
Debit cards should work just fine (although no insurance on them!) Various ways round this have been suggested recently, including Paypal bill pay.

Paypal Key worked until January of this year. I moved the autopay to my Freedom Flex rather than keep the autopay discount. For my 3 lines, my wife made the decision that she would rather pay the extra each month and keep the insurance.

Re: Pointless Cell Phone Protection with Verizon AutoPay

Anonymous — Mon, 13 Jun 2022 00:09:17 GMT

@EAJuggalo wrote:
Paypal Key worked until January of this year. I moved the autopay to my Freedom Flex rather than keep the autopay discount. For my 3 lines, my wife made the decision that she would rather pay the extra each month and keep the insurance.

Right, PayPal Key is dead, but a few of us have tried Paypal Bill Pay, which allows you to use a specific card (such as Freedom Flex) while counting as a bank pay, so getting the autopay discount.

Re: Pointless Cell Phone Protection with Verizon AutoPay

Antredd — Mon, 13 Jun 2022 00:41:45 GMT

Paulesport

I have Verizon's credit card. Now what's interesting if you get the Verizon CC, you can only use that credit card to autopay your cell bill. The good thing about it is that you still get $10 off your bill, and you earn reward points on the card for doing so.

Re: Pointless Cell Phone Protection with Verizon AutoPay

OmarGB9 — Mon, 13 Jun 2022 01:16:56 GMT

@Anonymous wrote:
@EAJuggalo wrote:
Paypal Key worked until January of this year. I moved the autopay to my Freedom Flex rather than keep the autopay discount. For my 3 lines, my wife made the decision that she would rather pay the extra each month and keep the insurance.
Right, PayPal Key is dead, but a few of us have tried Paypal Bill Pay, which allows you to use a specific card (such as Freedom Flex) while counting as a bank pay, so getting the autopay discount.

@Anonymous how does Paypall Bill pay work?

Re: Pointless Cell Phone Protection with Verizon AutoPay

Anonymous — Mon, 13 Jun 2022 02:00:37 GMT

@OmarGB9 wrote:
@Anonymous wrote:
@EAJuggalo wrote:
Paypal Key worked until January of this year. I moved the autopay to my Freedom Flex rather than keep the autopay discount. For my 3 lines, my wife made the decision that she would rather pay the extra each month and keep the insurance.
Right, PayPal Key is dead, but a few of us have tried Paypal Bill Pay, which allows you to use a specific card (such as Freedom Flex) while counting as a bank pay, so getting the autopay discount.
@Anonymous how does Paypall Bill pay work?

On the dashboard page, under More..., there is Pay My Bills. IF paypal lists the company you are trying to pay there, then you can pay it with any card in your wallet and it counts as a bank payment. You cannot add new payees though.

I have doubts if this can last though!

Re: Pointless Cell Phone Protection with Verizon AutoPay

Curious_George2 — Tue, 14 Jun 2022 05:26:01 GMT

@Anonymous wrote:
@OmarGB9 wrote:
@Anonymous wrote:
@EAJuggalo wrote:
Paypal Key worked until January of this year. I moved the autopay to my Freedom Flex rather than keep the autopay discount. For my 3 lines, my wife made the decision that she would rather pay the extra each month and keep the insurance.
Right, PayPal Key is dead, but a few of us have tried Paypal Bill Pay, which allows you to use a specific card (such as Freedom Flex) while counting as a bank pay, so getting the autopay discount.
@Anonymous how does Paypall Bill pay work?
On the dashboard page, under More..., there is Pay My Bills. IF paypal lists the company you are trying to pay there, then you can pay it with any card in your wallet and it counts as a bank payment. You cannot add new payees though.

I have doubts if this can last though!

You are correct. I got my hopes up because Verizon Wireless exists as a payee in the PayPal Bill Pay system. But when I tried to make a payment with a 5% CC today, I got the following message: "Pay using debit card or bank. Credit cards can't be used for this transaction." Sad trombones!

Re: Pointless Cell Phone Protection with Verizon AutoPay

OmarGB9 — Tue, 14 Jun 2022 05:30:40 GMT

@Curious_George2 wrote:
@Anonymous wrote:
@OmarGB9 wrote:
@Anonymous wrote:
@EAJuggalo wrote:
Paypal Key worked until January of this year. I moved the autopay to my Freedom Flex rather than keep the autopay discount. For my 3 lines, my wife made the decision that she would rather pay the extra each month and keep the insurance.
Right, PayPal Key is dead, but a few of us have tried Paypal Bill Pay, which allows you to use a specific card (such as Freedom Flex) while counting as a bank pay, so getting the autopay discount.
@Anonymous how does Paypall Bill pay work?
On the dashboard page, under More..., there is Pay My Bills. IF paypal lists the company you are trying to pay there, then you can pay it with any card in your wallet and it counts as a bank payment. You cannot add new payees though.

I have doubts if this can last though!
You are correct. I got my hopes up because Verizon Wireless exists as a payee in the PayPal Bill Pay system. But when I tried to make a payment with a 5% CC today, I got the following message: "Pay using debit card or bank. Credit cards can't be used for this transaction." Sad trombones!

Oh no! Where did you see that message, @Curious_George2?

Re: Pointless Cell Phone Protection with Verizon AutoPay

Curious_George2 — Tue, 14 Jun 2022 05:42:32 GMT

First you have to add VW as a payee. (Strangely, they call it "Add a new bill.") That requires entering your account number and maybe some other stuff I've fogotten about.

Sometime in the past, I configured my PayPal Bill Pay settings to try to pull from the card I wanted to use -- Cash+ in my case. I think it will always try to use your PayPal balance first, but I keep mine at zero, so effectively it's forced to pull from the card I assigned.

When that's done, you click the "Pay" button, then enter the amount you want to pay. The next screen that pops up has the message I quoted at the top, and a big blue "Agree & Continue" button at the bottom.

Re: Pointless Cell Phone Protection with Verizon AutoPay

Anonymous — Tue, 14 Jun 2022 09:14:02 GMT

@Curious_George2 wrote:
First you have to add VW as a payee. (Strangely, they call it "Add a new bill.") That requires entering your account number and maybe some other stuff I've fogotten about.

Sometime in the past, I configured my PayPal Bill Pay settings to try to pull from the card I wanted to use -- Cash+ in my case. I think it will always try to use your PayPal balance first, but I keep mine at zero, so effectively it's forced to pull from the card I assigned.

When that's done, you click the "Pay" button, then enter the amount you want to pay. The next screen that pops up has the message I quoted at the top, and a big blue "Agree & Continue" button at the bottom.

Not sure why that is happening. Paypal shouldn't care, and for that matter neither should Verizon Wireless. You CAN pay directly with a credit card, you just lose the discount. I no longer have a VZW account, but I know others tried recently. Hopefully someone can chime in!

Re: Pointless Cell Phone Protection with Verizon AutoPay

Curious_George2 — Tue, 14 Jun 2022 22:46:26 GMT

It's not really unusual in PayPay Bill Pay. I tried to add my credit card companies as payees. Because, ya know, having the ability to pay a CC with a CC would be nifty. Some of them are in the database, but all of those had the same "no CC" rule.

Re: Pointless Cell Phone Protection with Verizon AutoPay

Anonymous — Tue, 14 Jun 2022 22:50:17 GMT

@Curious_George2 wrote:
It's not really unusual in PayPay Bill Pay. I tried to add my credit card companies as payees. Because, ya know, having the ability to pay a CC with a CC would be nifty. Some of them are in the database, but all of those had the same "no CC" rule.

Yes, but unlike Verizon Wireless, you couldn't pay those directly (i.e. outside Paypal) with a credit card anyway!

After your post, I just checked, and I can still pay Verizon (FiOS, which has the same discount for debit/bank) and utilities via PPBP with a credit card. So waiting for someone else to try with Verizon Wireless!

Re: Pointless Cell Phone Protection with Verizon AutoPay

MrDisco99 — Wed, 15 Jun 2022 01:22:24 GMT

I got two new Verizon phones and lines late last year and priced it out and decided to just fork out for AppleCare and keep the autopay discount on my bill.

I looked at AT&T and they seem to have a similar policy for their autopay discount.