Late fees

Use this page to review late fee charges, exemptions, and waivers. Note: Effective 10/1/22, late fees have changed to be the greater of 5% of applicable monthly charges or $7 where allowed under state law.

On this page:

Guidelines Exemptions Adjustments and waivers Late Fees by state States with grace periods FAQ Guidelines All individual accounts may be charged a late fee for (applied to) any past due balance not paid by due date. Effective May 17, 2023, this includes cancelled accounts. The amount of the fee is determined by the customer’s billing address. A late fee of $7 or a variable percentage allowed under state law is applied to an unpaid past due balance not paid by the due date. See Late Fees by State for information by state. Late fees are billed when the balance in full is not paid by the due date and exceeds any allowed grace period. Late fees impact the balance at the time of billing; however, the charge will be visible in Pending Charges & Credits. The grace period varies by state, and it only applies to late fee assessment, not collection treatment. See States with grace periods for grace-period information by state. Payment arrangements do not prevent late fees. Some bills may have two late fees applied. This happens because some months have 31 days while others do not, and we have to wait until a balance is 10 days (15 for some states) past due before late fees apply. Exemptions Eligible past due delinquent balance is less than $10. Government, Simple Choice with no credit check (SCNC), No Credit Check (NCC) VIP, and Reseller accounts. Adjustments and waivers Late fee waivers Late fee waivers, Samson code LTPYM, apply only to future late fees. Applying a late fee waiver excludes an account from late fees for up to 30 days. Only coaches, senior reps, and Business Care can apply late fee waivers. Late fees can be waived for the following reasons: Severe conditions Late fees may be waived if there are severe conditions in a geographic area. Examples include natural disaster or national security threat. Review current news for any articles discussing such events before processing a waiver. Military accounts It is very important to ensure we are applying late fee waivers for every applicable Military suspension. If the customer is on active military duty and will be deployed overseas. If the customer has suspended service per the guidelines in Suspend or restore accounts. This is mandated by the Soldiers and Sailors / ServiceMembers Civil Relief Acts. Ongoing billing or payment issues Payment Strategy and Operations (PSO) is researching ongoing billing or payment issues the fee will be waived, if applicable. Do not submit a separate waiver request when submitting a Missing Payment follow-up. Apply a late fee waiver Check for existing waivers. Review the Financial Summary tab to see if the Late Fee Waiver Indicator is active. Review account memos for effective and expiration dates and educate the customer, if a waiver is present, Samson code LTPYM. Continue to step 2, if a waiver is not present. Process waiver request. Send the information to your coach or senior rep to have the late fee waiver applied. Include the account number and reason for waiver. Coaches and senior reps complete the steps on Apply late fee waivers page.

Late Fees & Grace Periods by State State / Rate State / Rate State / Rate State / Rate Late fees are $7 or a variable percentage allowed under state law. Where both $ and % are listed below, the customer is charged the greater of the two.

AL - Alabama / 0.66% AK - Alaska / 0.83% AZ - Arizona / 5% or $7 AR - Arkansas / 5% CA - California / 5% or $7 CO - Colorado / 3.75% CT - Connecticut / 5% or $7 DE - Delaware / 5% or $7 DC - District of Columbia / 2% FL - Florida / 5% or $7 GA - Georgia / 5% or $7 HI - Hawaii / 5% or $7 ID - Idaho / 5% or $7 IL - Illinois / 5% or $7 IN - Indiana / 5% or $7 IA - Iowa / 0.25% KS - Kansas / 5% or $7 KY - Kentucky / 0.66% LA - Louisiana / 5% or $7 ME - Maine / 5% or $7 MD - Maryland / 1.5% MA - Massachusetts / 1.66% MI - Michigan / 5% or $7 MN - Minnesota / 5% or $7 MS - Mississippi / 5% or $7 MO - Missouri / 5% or $7 MT - Montana / 1.25% NE - Nebraska / 1.33% NV - Nevada / 5% or $7 NH - New Hampshire / 5% or $7 NJ - New Jersey / 5% or $7 NM - New Mexico / 5% or $7 NY - New York / 2.08% NC - North Carolina / 4% ND - North Dakota / 1.75% OH - Ohio / 0.66% OK - Oklahoma / 5% or $7 OR - Oregon / 5% or $7 PA - Pennsylvania / 5% or $7 PR - Puerto Rico / 1.5% RI - Rhode Island / 1.75% SC - South Carolina / 5% or $7 SD - South Dakota / 5% or $7 TN - Tennessee / 5% or $7 TX - Texas / 5% or $7 UT - Utah / 5% or $7 VT - Vermont / 5% or $7 VA - Virginia / 0.41% WA - Washington / 2% or $7 WV - West Virginia / 5% or $7 WI - Wisconsin / 5% or $7 WY - Wyoming / 5% or $7

States with Grace Periods States with Grace Periods Grace Period The states below have additional days beyond their due dates in which they can make a late payment and avoid the late fee charge. South Carolina, Virginia 7 District of Columbia, Puerto Rico, Vermont 10 Arizona, Maryland, Mississippi 15 North Dakota, Rhode Island 30 If a state is not listed above, it doesn't have a grace period.

FAQs What is a Late Fee?

Customers who do not pay their bill by the due date are charged a late fee.

Why are cancelled accounts subject to late fees?

Late fees may be applied against an account, including a cancelled account, if the balance due is not paid on time. Don’t worry—as long as you pay your final bill for your cancelled account by the due date, you will not incur these charges.

What changes are you making to late fees?

Beginning October 1, 2022, customers will be subject to late fees of the greater of $7 or a variable percentage as allowed by state law. Customers should pay the total amount due by the due date to ensure they avoid paying late fees.

Why are you making these changes?

We are working to ensure all our customers have a consistent experience to the greatest extent possible.

So it was just a small percentage of my bill and now it’s at least $7? How do you justify that?

We may impose a late fee up to the highest amount allowed by state law as disclosed in our terms and conditions. Customers can avoid this fee by making sure to pay their bills by the due date.

Can I avoid this charge? How?

Yes. Paying your bill by the due date will ensure you will not be charged a late fee. You can sign up for AutoPay make paying your bill on time a breeze. AutoPay is a free service that automatically deducts payments from your credit card or checking account to pay your bill.

So how do your charges stack up against other carriers’ fees after this change?

We cannot comment on other Carriers’ practices. We are committed to being upfront about all possible charges and giving our customers a multitude of self-serve options to avoid the charge.

Where can I find more information on your late fee policy?

Our late fee policy can be found on our website, https://www.t-mobile.com/support/account/whats-impacting-your-bill .

This is the first time I've ever seen this late fee charge. Can you adjust it for me?

Late fees may be applied to the billing amount anytime the account is past due. To avoid the fee in the future, make sure to pay your bill by the due date. I suggest setting up AutoPay. It’s a free feature that removes the worry of paying the bill late. Can I set that up for you today?

If pressed: I can adjust the fee for you as a 1-time courtesy. And remember, you can avoid late fees by paying your bill by the due date. The best way to ensure timely payment in the future is to set up AutoPay.

What was the Postmark Payment Act 2014 and are we legally required to honor it?

This bill was not passed by Congress and is not a law. The Postmark Payment Act deems any payment required to be made on or before a prescribed date that is delivered by the U.S. Postal Service (USPS) after such date to be received by the payee on the date of the U.S. postmark stamped on the envelope or other cover in which such payment is mailed.