Natwest Credit Cards & Direct debit payment

firsttimestudent

Hi, just a quick question. I have a Natwest credit card set up for minimum payments by Direct Debit. Is it correct that if I were to make additional payments to my credit card, my Direct Debit will still be taken out as usual?

For example, outstanding balance - £10.24. Direct debit payment - £5.

Assuming that my manual payment of £5.24 will not reduce the direct debit payment, I will have settled the full amount for the month, am I right?

Thanks!

leicsmarkyr

firsttimestudent wrote: »

Hi, just a quick question. I have a Natwest credit card set up for minimum payments by Direct Debit. Is it correct that if I were to make additional payments to my credit card, my Direct Debit will still be taken out as usual?

For example, outstanding balance - £10.24. Direct debit payment - £5.

Assuming that my manual payment of £5.24 will not reduce the direct debit payment, I will have settled the full amount for the month, am I right?

Thanks!

Correct assuming no interest is to be added on

Moggles_2

firsttimestudent wrote: »

I have a Natwest credit card set up for minimum payments by Direct Debit. Is it correct that if I were to make additional payments to my credit card, my Direct Debit will still be taken out as usual?

With NatWest, yes. No account is taken of any manual payment made. The amount specified on your statement (in this case £5) is automatically collected by DD unless NatWest is instructed otherwise.

Note: this does not apply to all credit cards. The effect of a manual payment, when a direct debit is active on your account, varies between lenders.