T-MobileReceive the latest T-Mobile news Subscribe By subscribing you agree to our terms and conditions and privacy policyT-Mobileapplies a penalty for late payment to encourage users to pay on time and push them toward AutoPay. This free service allows customers to link a bank account or debit card to their account so payments can be deducted automatically every month.The last increase in the late fee occurred in 2022. While that sounds doable in theory, life doesn't work like that. That's why customers are angry atfor increasing the penalty.If you don't clear your past due balance, your service might be terminated. In that case, you will have to pay a $20 account restoration fee for each line on your account to reinstate service.