Paying the remaining balance of 0% card

book12

To pay the remaining balance of a 0% card, which method is better:

Pay by direct debit by changing the amount from minimum to 'full amount.'

Pay remaiming balance from bank account.

For example, the last month of 0% period is the end of April 2017, and the direct debit is taken around 7th of the month. After the March payment, set the direct debit to pay in full for 7th April, or pay the remaining balance by bank transfer?

How long does changing direct debit amount from minimum to full amount? Would it take get changed immediately or a few days?

Remaining balance is £5000.

Would paying a big amount mentioned above by direct debit or bank transfer block the bank account and online banking?

[Deleted User]

The change could take several weeks, as they need to inform you of the amount, which will be done via the statement.

What do you mean by a payment blocking your bank account?

book12

Sometimes when paying a big amount from a bank account to another account, payment might get blocked.

Not sure if it will happen when paying the remaining balance of the card. Not sure if it will happen for a direct debit.

enthusiasticsaver

I have never had payments blocked and many have been higher than £5000.

Personally I would change the direct debit to pay off in full after the March one has been taken. If it is not taken on 7th April then you can pay it off in full by bank transfer as the 0% deal does not finish until end of the month.

[Deleted User]

Nothing untoward will happen with a payment to a credit card.

May be different if you're paying some bloke with sunglasses in Colombia.