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You can easily create an account just for T-Mobile and auto-deposit into it monthly.



But then they wouldn’t have anything to complain about.


I still don’t get the phone warranty that comes by just charging the bill to my Amex card (potentially saves about $500 a year) or the close to 5000 Amex points per year (worth about $75)


Right, but that phone warranty and 5000 Amex points is being funded by T-Mobile paying CC processing fees




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