Paying credit cards off with a debit card

surreysaver

I've received recent notifications from my Barclaycard and M&S credit cards they'll no lokge accept payment by debit card.

Is there anything going on behind the scenes anyone knows about?

dumpster_fire2025

I've not received any such notification for my Barclaycard and I can still choose to pay by debit card via the app. I no longer have an M&S credit card but it does look like debit cards aren't a payment option on their "Ways to pay" page.

At a guess I'd say that it's possibly that other payment options are cheaper and options like "Pay by bank" transfer the money pretty much instantaneously unlike a debit card where the funds will take a few days to actually be credited to the retailer so they'll get their money faster.

35har1old

https://forums.moneysavingexpert.com/discussion/6664680/paying-credit-cards-off-with-a-debit-card

My account still possible to pay by debit card

35har1old

https://forums.moneysavingexpert.com/discussion/comment/81967743#Comment_81967743

Under the payment heading only 2 options available DD or DC in online banking

Payments list on statement DD, Bank transfer QR code via Pingit or at an ATM DC Cash or cheque at bank you may be charged by other banks Cheque in post all these methods have different timescales

dumpster_fire2025

https://forums.moneysavingexpert.com/discussion/comment/81967808#Comment_81967808

None of that is relevant.

My app still shows I can pay by DC.

surreysaver

https://forums.moneysavingexpert.com/discussion/comment/81967825#Comment_81967825

Still can in the app, however, the app says the facility will no longer be possible from 22nd April. Likewise, I think Barclaycard's was sometime in May.

Emmia

If I access my Barclaycard via the Barclays app and want to make a payment, it offers the option to do so from one of my Barclays bank accounts, or by debit card.

I often pay my bill by HSBC debit card at the start of the month rather than waiting until the direct debit is taken in the middle of the month - I've had no notification that this is not possible or is being phased out.

Edit: The Barclaycard app also has the same payment options, and no notification that debit card payments are being discontinued.

35har1old

https://forums.moneysavingexpert.com/discussion/comment/81967825#Comment_81967825

Which app Barclays or Barclaycard ?

There was a suggestion that one of the apps would be removed

Under the make a payment option the only option in the Barclays app is payment by DC

Emmia

https://forums.moneysavingexpert.com/discussion/comment/81968140#Comment_81968140

I also have the option to pay via one of my Barclays accounts... In both apps

Nebulous2

I've a Barclaycard and use the Barclays app. I always pay by debit card and have used it in the past to reach minimum payment levels from some accounts.

I've had no communication to say the facility will be withdrawn. I usually pay around the 10th and this month's payment went through ok.

Brie

I assume one of the concerns is that using a DC to pay a CC may mean you are going into your overdraft to do so. Of course the same thing might happen paying by DD or transfer from your bank account.