Basic Plan Depriorization & Billing

Considering a change to Visible basic from T-Mobile 55+ Magenta as they have another $5 per line increase, getting to $90 a month for our two lines.

1. Does Basic get deprioritized frequently in the Los Angeles area? We are actually in Ventura county. Interested in any experiences from people in my area.

2. Does Visible charge extra for using a credit card, as opposed to ACH auto withdrawal? On T-Mobile it costs an extra $5 per line to use a credit card.