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Possible Missed direct debit...
suzo17
Posts: 2 Newbie
I always pay off more than the minimum amount on my credit card when I get paid and then my direct debit for the minimum payment comes out about a week later. I'd rather just pay one payment so today I cancelled my direct debit so I could just pay one manual payment.
The problem is that because my payment is due on the 5th the credit card provider might try to take the payment but the bank won't let it go though cos I cancelled with them too.
I have already made a payment to my credit card this month for a lot more than the minimum payment so it won't be a missed payment just a failed direct debit.
My question is will this failed direct debit show up on my credit file???
The problem is that because my payment is due on the 5th the credit card provider might try to take the payment but the bank won't let it go though cos I cancelled with them too.
I have already made a payment to my credit card this month for a lot more than the minimum payment so it won't be a missed payment just a failed direct debit.
My question is will this failed direct debit show up on my credit file???
0
Comments
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No. .0
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Cancel with the provider as well.I’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
If you can't be the best -
Just be better than you were yesterday.0 -
Just call them and ask if they will still attempt to process the DD. Most likely they won't as they received more than the minimum in enough time to ensure the DD won't be taken. But if you're worried then a phone call is the surest way to get your answer.0
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