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How Kudos Just Saved Me $840/Year on My T-Mobile Bill (Yes, Really)
July 1, 2025
Look, I'll be honest with you: I started Kudos with Ahmad Ismail because we were tired of leaving money on the table. Credit card rewards, subscription costs, and bills that quietly creep up year after year. It all adds up. But even as someone who built a company around this problem, I'm still human. I still don't have time to call every service provider and negotiate.
That's exactly why we built our AI bill negotiation feature.
The Setup: A $130/Month Phone Bill I'd Been Ignoring
I've been paying $130/month for my T-Mobile plan. For one line. No family plan, no add-ons I actually needed, just the rate plan I'd been on for years.
Anyone who's tried negotiating with T-Mobile, Verizon, or Xfinity knows the drill: 45 minutes on hold, navigating phone menus, getting transferred between departments, and repeating your account info three times. That's exactly why I never did it.
So I did what I told Kudos users to do: I let our AI handle it.
What Happened Next
Here's how I got my T-Mobile bill down by $840/year—and you can actually listen to the entire call:
▶️ Listen to the actual call recording here
I handed off the task, stepped away, and the AI negotiated my bill from $130 down to $60/month.
Here's what our AI did on my behalf:
- The AI identified: I was on a $130 single-line rate plan that hadn't been optimized in years.
- The AI asked: "Are there any loyalty discounts or ways to lower my monthly payment?"
- The result: T-Mobile switched me to their Core line rate plan at $65/month, which drops to $60/month with autopay.
- Total savings: $70/month × 12 months = $840/year
The only thing I had to do was verify my account with an OTP code. The Kudos AI agent handled the entire negotiation.
Why This Actually Matters
Here's the thing: that "3-minute switch" I mentioned? That's only what happened after the AI navigated 20 minutes of phone menus, waited on hold, got transferred twice, and finally reached someone in retention.
This is the reality of negotiating with utility companies:
- 15-45 minutes on hold (often disconnected, forcing you to start over)
- Getting bounced between departments
- Repeating your account info to 3+ different reps
- Not knowing what plans exist or what to ask for
- The whole ordeal takes an hour+ of your day
Most people never negotiate because it's exhausting, not because they don't want to save money.
Our AI sits on hold. It navigates the transfers. It knows what to ask for. It deals with the runaround.
In my case, I saved $840/year without touching my phone or sitting through a single hold message. That's the point.
How It Works for You
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When you use Kudos' AI bill negotiation as part of Kudos Premium, all you have to do is:
- Spot a bill in Cancel & lower my bills that you want lowered. Tap "Lower my bill." Done.
- Kudos AI handles the rest:
- 📞 Calls customer service and navigates phone menus
- 💬 Talks to real retention specialists
- 💰 Negotiates discounts, credits, or better rates
- 🔐 Handles verification (with your approval for any codes)
- ✅ Finalizes changes to your account
- Watch your bill lower before your eyes with live progress updates. It's like watching your Domino's order get made, but for bill negotiation: "Calling Xfinity... Connected with agent... Negotiating rate... Your bill was reduced from $89.99 to $59.99/month."
Which Bills Can Kudos Lower?
We're launching with the providers where we can make the biggest impact:
📱 Mobile:
- T-Mobile
- Verizon
- AT&T
🏠 Home & Internet:
- Xfinity
- Spectrum
- Cox
- ADT
Up next: Visible, US Mobile, Optimum, DirecTV
The Bigger Picture
This isn't just about my phone bill. It's about the principle that built Kudos: you shouldn't have to be a financial expert or spend hours on hold to keep more of your money.
Whether it's:
- ✅ Getting 100% of the credit card rewards you've earned
- ✅ Negotiating better rates on bills you're already paying
- ✅ Automatically applying the right card for every purchase
- ✅ Tracking subscriptions before they auto-renew
It all comes down to the same thing: your money should work harder for you, not the other way around.
So yes, our AI just saved me $840. And honestly? It felt pretty good to be on the receiving end of the product we built.
I'm genuinely proud of this feature. Not just because it saves money (though that's great), but because it finally puts more power in your hands. Big companies are already using AI to interact with you. Why not use AI to interact back with them?
Want to see what Kudos can save you? Start Kudos Premium with a 7-day free trial. Cancel anytime.
Unlock your extra benefits when you become a Kudos member
Turn your online shopping into even more rewards
Join over 400,000 members simplifying their finances
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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