topic Re: Auto Top Up vs Actual Cost of Monthly Service in Lucky Mobile Community

Auto Top Up vs Actual Cost of Monthly Service

xd — Sat, 25 Sep 2021 20:33:20 GMT

Hi...I just joined Lucky today, and one thing I'm struggling to understand is the auto top up system. When I set it up, the text beneath the button says: "We will automatically charge your credit card, Visa Debit or bank account every month to cover your Plan and Add-Ons."

But it seems that my only option is to add preset amounts of funds, in $5 increments, to automatically drop into my account so it remains active. And I believe I have to choose the higher increment so that taxes are covered (so for my $25 plan I need to choose a $30 top up or else my plan will be disabled). Is this really how it works?

Is there a way to have the exact amount of my service plus tax simply charged to my credit card?

The way it seems to work (unless I've missed something, which is why I'm asking here) means that every month I'll have a little extra money transferred into my Lucky account and effectively locked away since the terms say amounts are non-refundable. I really hope this isn't the case.

Thanks for your help!

Re: Auto Top Up vs Actual Cost of Monthly Service

LuckyMalek — Mon, 27 Sep 2021 13:51:37 GMT

Hey there, you should pick the Monthly Top-Up

With this option we will automatically charge your credit card, Visa Debit or bank account every month with enough funds to cover your Total Monthly Charge (Plan + Add-Ons), prior to your Monthly Charge Date.

If you forget to change your Monthly Top-Up settings when you change your Plan and Add-Ons, we will automatically change your Top-Up amount to match your new Total Monthly Charge for you. This way, you never need to worry about losing your service.

Re: Auto Top Up vs Actual Cost of Monthly Service

RunUnicornRun — Sun, 19 Dec 2021 16:59:13 GMT

For your $25/month plan, you need to select top-up of $25 automatically. This will 1) not include the sales tax, and 2) include the sales tax. Lucky Mobile's transaction history is a a bit of a mess. So, in your example: when you select a top-up of $25, Lucky Mobile will actually charge $25 + tax on your credit card. In your online account you will never see the top-up of $25+tax - but only $25, although your credit card is charged $25+tax. Wish their help files were more clear on this topic.

Auto top-up

Boski — Sun, 07 Aug 2022 15:58:17 GMT

I was on auto top-up your the $25 dollar plan but what was charged to my credit card was $28+ is this normal? Is it taxes I thought $25 amount already had taxes included

What does a balance mean, if I pay using Auto Top Up?

Old_Muskrat — Tue, 09 Aug 2022 13:10:33 GMT

If my plan is $15/month, and I pay $15/month using Automatic Top Up, why is there ever a balance? Currently my account shows a "balance" of $5. What does that mean?

why I chose the $35plan, but I receive the credit card bill for $39.55?

emma — Tue, 31 Jan 2023 23:37:42 GMT

I just active my SIM card and chose the $35 plan on line, and paid the $35 by credit card,but why I receive the credit card bill for $39.55?

Re: Auto Top Up vs Actual Cost of Monthly Service

anh2lam — Sat, 04 Feb 2023 03:45:23 GMT

auto top is bad idea cause if you are like me and ported over for boxing day promo $25 ( $55-$30 credit) billing dept said their system is so bad that it cannot recognize net cost for consumer is $25 so the auto pay if it has your credit card or debit it will withdrawal $55+tax each month so negative thing when you cancel auto pay you will loose bonus 2Gb. However i got a text and my wife, not two kids nor my received text promo top up 100 get $50 bonus. so we did that now that amt should last us more than a year. cause with referral bonus her plan is now $15/month for next 9 months, while mine is $20/month for next 9 months. if you leave auto update one your will basically build up balance $30 extra per month since system does not see credit of $30. not happy at all.

Automatic top up charges

Veekee — Tue, 31 Oct 2023 00:28:59 GMT

I set up my credit card for Automatic top-up of $30 each month. I was rather debited $34.50 today on my card and the payment history shows a payment of $30. Please how can I get my $4.50 back and prevent this from reoccurring?

Re: Automatic top up charges

MK4753 — Fri, 03 Nov 2023 01:18:57 GMT

Hey Veekee,

The $4.50 is not an extra amount but its the tax, so your plan is $30 and with a 15% tax (Decided by the province you live in), makes the total amount $34.50 charged to your card. Even if you manually do a top up, the charge amount will be the same i.e., $30 plus 15% tax.

Payment Question re HST

stevhorn — Tue, 05 Mar 2024 14:45:09 GMT

I just activated the other day and I'm a little confused regarding Payment or Top Up as it known here. I subscribed to the $29 - 25GB plan (20GB + 5GB bonus). I'm confused about how the HST is charged. Is it charged on the plan cost ($29) or is it charged on the Top Up ($30 + $3.90 HST)? In other words, should I select an auto Top Up of $30 or $35 to cover the HST?

Re: Payment Question re HST

Jake — Sat, 09 Mar 2024 22:23:52 GMT

Hey stevhorn, I just activated with the same plan and I'm just as confused as you are as to how Lucky's system works. I have no issues with Lucky other than this. No one seems to be able to explain it clearly. So I'm going to do a $30 manual top up before my next billing date (April 7) and see if my credit card is charged $30 or $33.90. If charged $33.90 then I'm covered for my monthly cost of $32.77. If they only charge $30.00 I'll have to do another manual top up of $5.00 to cover the account. I can't believe Lucky does not have a way to just charge your card exactly what is owing on your account rather than only in $5.00 increments.. I guess it's a way to take a little more away from you each month. And of course top ups are nonrefundable as per their terms of use. A little sneaky and underhanded if you ask me.....

Re: Auto Top Up vs Actual Cost of Monthly Service

PinkFloyd — Sun, 10 Mar 2024 01:07:45 GMT

Is there any reason why we can't choose the specif dollar amount that matches the plan we are subscribed to? My plan is the $29 plan and I would rather be charged $32.77 instead of $33.90. I know there was $1 in my balance given back, but it would be nice to have it a little more straight forward.

The top-up/auto top-up systems needs an overhaul

Fretbuzz Lightyear — Sun, 10 Mar 2024 14:12:15 GMT

I recently signed up for the $29/mo 20 GB Plan, which will activate later this month. I went to set up auto top-up to take advantage of the 5 GB auto top-up promo and ensure there were funds for the charge date and was dismayed to find that you can still only select top-up denominations in $5 increments, making the closest denomination $30 for the $29/mo plan. If I select this on auto top-up, it will result in an extra $1+tax being charged to my credit card and an extra $1 accumulating on my account balance each month, never to be used, though I'm sure Bell will love the extra money.

In light of the new plans which aren't multiples of $5, the top-up system needs an overhaul.

Topping up regularly should present the user with three options: 1) the cost of their plan and add-ons less any existing balance, 2) the cost of their plan and add-ons, and 3) a text box allowing the entry of an arbitrary dollar amount.

Auto top-up needs only two options: 1) the cost of their plan and add-ons less any existing balance, and 2) the cost of their plan and add-ons, plus an arbitrary extra amount for any extras the user might want to add during the month, less any existing balance. This change would allow the use of auto top-up to take advantage of promos while preventing credit balances from sitting on an account forever or, worse, accruing.

Do away with the $5 denominations altogether.

While you're at it, make it clearer during top-up and in the transaction history that the user is being charged tax in addition to the any top-up amount.

Please and thank you.

Re: Auto Top Up vs Actual Cost of Monthly Service

Jake — Sun, 10 Mar 2024 14:23:02 GMT

If there is a way to do it I haven't found it. That would make total sense. Automatically charge my card for what is owing. Not a penny more, not a penny less. I just signed up so I don't know how it works yet. Once I go through the first billing cycle (April 7 for me) then I will know. If it turns out that manually topping up by selecting the $30 option results in a $33.90 charge that will be a $1.13 overpayment. 4 months of over payment will be $4.52 in my account. The 5'th month I will top up with the $25 selection. $25.00 plus tax is $28.25. $28.25 plus my balance of $4.52 is $32.77 leaving a balance of 0. A pain in the backside but by monitoring your account and making adjustments as you go it will prevent your balance from growing which seems to be a common complaint from what I've been reading in reviews of Lucky Mobile.

Re: Auto Top Up vs Actual Cost of Monthly Service

PinkFloyd — Sun, 10 Mar 2024 15:09:46 GMT

@LuckyMalekWhen I signed up on March 7, I mistakenly choose "Top up now" and added $30 when I wanted to set my monthly auto top up to that amount. I now have $31 of balance. I amusing that come April 7 this will be used and not my monthly auto top up of $30. Sorry if I'm asking a dumb question, but I'm new and trying to understand this auto top feature that you have.

Thanks.

Top-Up

User266 — Sun, 24 Mar 2024 09:04:23 GMT

The lucky mobile plans that it provides and is in contractual agreement with the customer that don't fit the top-up amount categories should offer the customer to pay only that contractual agreement monthly amount balance as top-up not restrict the customer to top-up amount categories that are not in the contractual agreement between lucky mobile and the customer.

Re: Top-Up

User266 — Sun, 24 Mar 2024 20:36:01 GMT

The solution does not answer my question nor does it answer another members exact same question.

If I decide to port to another provider with credit on my account that credit will not be credited back to my payment method. Therefore, lucky gets to pocket the unused credit plus a portion of the pre-charged HST since they are collecting the HST on behalf of the government.

Re: Top-Up

Jake — Mon, 25 Mar 2024 15:57:47 GMT

Unfortunately there is no way around the situation you describe. As per Lucky's terms and conditions, unused funds are nonrefundable. I don't particularly like the way they do their accounting either. When you log into your account and look at your payment history, tax is not shown. Of course you are paying the HST and it is being debited and credited to your account, it just doesn't show. They only display the cost of your plan, the amount you top up and the remaining balance. I've seen many complaints of people leaving a large amount of money in their Lucky account when they leave. Definitely not a good thing. So, I just don't let that happen. My plan is $29 per month so I manually top up with the $30 selection. After the $29 is debited from my account on the monthly charge date my balance shows $1.00. After 2 months I have a $2.00 balance, 3 months/$3.00, 4 months/$4.00. On the fifth month I manually top up with the $25.00 selection. My balance of $4.00 plus my $25.00 top up is $29.00 and after Lucky debits my account on the monthly charge date my balance is 0. I monitor all my accounts closely anyway so it's no big deal for me. I just don't let a balance accumulate in my Lucky account. Sure, I don't get the 5 gigabyte bonus each month for automatic top up but I don't need it anyway. 20 gigabytes is more than enough for my needs. All this being said they really should have an option to pay exactly what your plan costs so that you never carry a balance in your account. It makes me wonder how much extra money Lucky (Bell) makes from people who carry a balance in their account and then leave. Maybe that's why Lucky (Bell) does it.......

Automatic Top-ups do not make sense

whoishere — Fri, 07 Jun 2024 22:03:52 GMT

Like seriously.

I have a $27 plan, but top-ups are only $25 or $30.

And what I'm supposed to do in this situation?

Why no just have an option to charge exact amount of my plan?

This is so dumb...

Top-up amount

Titi — Tue, 10 Dec 2024 13:13:01 GMT

My plan is $25 per month but $28 has been deducted from my bank since 5months ago?