New Day John Lewis Credit Card Direct Debit query.
Belenus
Forumite 
I held a John Lewis Partnership Credit Card for many years. John Lewis closed the Partnership Card so I now have a John Lewis New Day card.
I have a direct debit set up with New Day to pay off the statement balance in full so I do not incur interest charges.
The New Day terms state:
How do
additional payments affect your Direct Debit?
If you make an additional payment three or more working days before your payment due date your Direct Debit amount will reduce by the amount of the payment.
Do credits
for previous purchases count as additional payments?
My
statement dated 8 November totalled £1,600 due to be collected by
direct debit on 24th November. That £1,600 included a
charge of £400 from late October for a purchased item that proved faulty and has been
returned.
A few days
ago I received a refund of £400. That now shows as a credit on my
account.
Will New
Day reduce my direct debit payment by £400 to £1,200 or will they
debit the full £1,600?
It is next
to impossible to communicate with New Day as they have no email and
never answer the phone.
It doesn't
matter much to me but I would prefer that £400 stayed in my savings
account for a month longer.
Thanks
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