That was my point, except the $5 dollar auto pay discount is per line, so its does add up to be a lot more unfair the more lines you have with T-Mobile. So if you have 4 lines as an example that is $20 a month that T-Mobile is pocketing while protesting credit card transaction fees that some bank raised needlessly in the USA.Strictly speaking, they DO NOT require checking or debit for auto-pay. They DO require checking or debit for the $5 auto-pay discount.