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10 day notice period before debiting from credit card

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I am currently in dispute with Nationwide car rental (for another thread). They have deducted £1200 from my credit card for insurance excess as a result of a minor accident I had. They sent me an email with an invoice and deducted the money the same day. My bank tells me they should have given a 10 day notice period before taking the money. Does anyone know anything about this rule - I did a google search and see it is relevant for direct debits but didn't know it applied to debits from credit cards as well???

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