@kdm31091 wrote:What do you mean by that? How would Verizon even let me overpay? Then again I've never tried to, lol
If that was a joke, It would have written itself. 
You can always pay in advance, you know.
I have to admit I'm a little bit confused as to why anyone wouldn't change their auto-pay for a few months to get this benefit. $30 back on $225 spend (plus the standard reward for that spend) is way better than any earning potential we all get excited about, not including spend bonuses on new cards of course.
It takes about 2 minutes to change what card is used for your auto-pay. After 3 months you spend another 2 minutes to change it back. I don't know. Maybe I'm missing something.
I happen to have this offer on my BCE. It almost makes me sad I switched to Sprint recently and only pay $55 per month. Almost. 
@Anonymous wrote:I have to admit I'm a little bit confused as to why anyone wouldn't change their auto-pay for a few months to get this benefit. $30 back on $225 spend (plus the standard reward for that spend) is way better than any earning potential we all get excited about, not including spend bonuses on new cards of course.
It takes about 2 minutes to change what card is used for your auto-pay. After 3 months you spend another 2 minutes to change it back. I don't know. Maybe I'm missing something.
I happen to have this offer on my BCE. It almost makes me sad I switched to Sprint recently and only pay $55 per month. Almost.
You can overpay this as well.
@Anonymous wrote:
@Anonymous wrote:I have to admit I'm a little bit confused as to why anyone wouldn't change their auto-pay for a few months to get this benefit. $30 back on $225 spend (plus the standard reward for that spend) is way better than any earning potential we all get excited about, not including spend bonuses on new cards of course.
It takes about 2 minutes to change what card is used for your auto-pay. After 3 months you spend another 2 minutes to change it back. I don't know. Maybe I'm missing something.
I happen to have this offer on my BCE. It almost makes me sad I switched to Sprint recently and only pay $55 per month. Almost.
You can overpay this as well.
That's true. I might have to give that a try once I get my next bill. $45 / month here we come.
They still don't like me, no offer, 
@Anonymous wrote:I have to admit I'm a little bit confused as to why anyone wouldn't change their auto-pay for a few months to get this benefit. $30 back on $225 spend (plus the standard reward for that spend) is way better than any earning potential we all get excited about, not including spend bonuses on new cards of course.
It takes about 2 minutes to change what card is used for your auto-pay. After 3 months you spend another 2 minutes to change it back. I don't know. Maybe I'm missing something.
I happen to have this offer on my BCE. It almost makes me sad I switched to Sprint recently and only pay $55 per month. Almost.
It's just a question of effort vs small gain. There are lots of ways to gain $7 ($10 vs 4% on $75) and while this may seem small effort, so is clipping coupons etc. Just not worth it to me, in the same way I don't excited by the BBR card. People have different thresholds!
@Anonymous wrote:
@Anonymous wrote:I have to admit I'm a little bit confused as to why anyone wouldn't change their auto-pay for a few months to get this benefit. $30 back on $225 spend (plus the standard reward for that spend) is way better than any earning potential we all get excited about, not including spend bonuses on new cards of course.
It takes about 2 minutes to change what card is used for your auto-pay. After 3 months you spend another 2 minutes to change it back. I don't know. Maybe I'm missing something.
I happen to have this offer on my BCE. It almost makes me sad I switched to Sprint recently and only pay $55 per month. Almost.
It's just a question of effort vs small gain. There are lots of ways to gain $7 ($10 vs 4% on $75) and while this may seem small effort, so is clipping coupons etc. Just not worth it to me, in the same way I don't excited by the BBR card. People have different thresholds!
3 things:
(1) Not everyone has a card that can do 4% at phone bill pay. So closer to 1.5% or 2%. At 2% = $1.50 per month on $75 bill.
(2) If you're gonna compare $10 vs 4%, then you should also look at the 1% most people will get on the $75 in addition to the $10 bonus = $10.75 per month.
(3) You can do this 3 times so it's closer to $28 in savings for most ($32.25 vs $4.50).
Ok, still not life changing amount but that's a lot of happy meals.
@onstar wrote:
@Anonymous wrote:
@Anonymous wrote:I have to admit I'm a little bit confused as to why anyone wouldn't change their auto-pay for a few months to get this benefit. $30 back on $225 spend (plus the standard reward for that spend) is way better than any earning potential we all get excited about, not including spend bonuses on new cards of course.
It takes about 2 minutes to change what card is used for your auto-pay. After 3 months you spend another 2 minutes to change it back. I don't know. Maybe I'm missing something.
I happen to have this offer on my BCE. It almost makes me sad I switched to Sprint recently and only pay $55 per month. Almost.
It's just a question of effort vs small gain. There are lots of ways to gain $7 ($10 vs 4% on $75) and while this may seem small effort, so is clipping coupons etc. Just not worth it to me, in the same way I don't excited by the BBR card. People have different thresholds!
3 things:
(1) Not everyone has a card that can do 4% at phone bill pay. So closer to 1.5% or 2%. At 2% = $1.50 per month on $75 bill.
(2) If you're gonna compare $10 vs 4%, then you should also look at the 1% most people will get on the $75 in addition to the $10 bonus = $10.75 per month.
(3) You can do this 3 times so it's closer to $28 in savings for most ($32.25 vs $4.50).
Ok, still not life changing amount but that's a lot of happy meals.
1) The question was why some people wouldn't bother. So I gave an example as someone with such a 5% card. Some don't have Amex cards. Or, like me, the offer!
2) The cards pay 5% on phone bills (Cash Plus, various Inks) so my 4% was already taking the difference between 5 and 1%
3) Doing it 3 times is 3 times doing something I don't find worth doing! So, doesn't change my opinion...
Again, the question was:
I have to admit I'm a little bit confused as to why anyone wouldn't change their auto-pay for a few months to get this benefit.
And I gave my reasons as a sample anyone. Of course, some people find it worthwhile, and some get excited by the BBR. Just a question of how much this is worth to you, compared to other things you could do in the same time.