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How to Change a Credit Card Direct Debit

Managing your money should be easy, and sometimes that means adjusting your payment dates to fit your schedule. If you need to change the date of your credit card direct debit with TSB, don’t worry – it’s a simple process! We’ll guide you through everything step by step.

Find out more about TSB’s range of credit cards

Understanding Credit Card Direct Debits

Direct debits are a super convenient way to stay on top of your credit card payments without the hassle of remembering due dates. But life happens, and sometimes you might need to move your payment date, maybe to align with payday or just to manage your budget better. Whatever the reason, TSB makes it easy to adjust your payment schedule.

There are plenty of reasons why you might want to change your direct debit date. Some common scenarios include:

  • Aligning with salary or wage payment dates: If your direct debit is due before you get paid, it could make managing finances more challenging. Moving the date to just after payday can help keep your cash flow smoother.
  • Managing multiple bills: Juggling multiple direct debits around the same time of the month can be tricky. Adjusting your credit card payment to a more manageable date can help spread out expenses.
  • Avoiding overdrafts: If your direct debit falls on a date when your balance is typically low, you might risk overdraft fees. Changing it to a more suitable time can minimise this.
  • Accommodating any changes: If you've had a recent change in income, adjusting your payment date can help you stay on top of your finances without added stress.

Whatever your situation, changing your direct debit date can provide more flexibility and control over your budget.

Steps to Change a Date Direct Debit

1. Check Your Current Payment Details

Before making any changes, it’s good to double check:

  • Your current payment date
  • The bank account your payments come from
  • How much you’re paying each month (minimum amount, full balance, or a fixed amount)

Having this info handy will make the process smoother!

2. Use the TSB Mobile Banking App

The quickest and easiest way to change your direct debit date is through the TSB mobile banking app. Here’s how:

  1. Log in to your app.
  2. Tap on your credit card account.
  3. Tap ‘Manage’.
  4. Select ‘Change payment date’.

Prefer to talk to someone? You can also call TSB or pop into a branch for help.

3. Double-Check Your New Payment Date

Once your request is processed, make sure the new date works for you. This will help avoid any surprises and keep your budget on track.

Things to Keep in Mind

Timing Matters

Changes can take a few working days, so plan ahead to make sure everything goes smoothly before your next payment.

You’re Covered by the Direct Debit Guarantee

If anything goes wrong with your direct debit, don’t worry! The Direct Debit Guarantee means you’ll get an immediate refund if a payment is taken incorrectly.

Keep Your Budget Happy

Moving your payment date? Make sure there’s enough in your bank account when it comes around to avoid overdraft fees or missed payments.

Check your credit card eligibility today.

Potential Issues and How to Solve Them

Even though changing your direct debit date is a simple process, sometimes issues can arise. Here’s what to do if you run into any problems:

Payment Doesn’t Go Through on Time

If your payment doesn’t go through as expected after changing your direct debit date, check the following:

  1. Ensure your bank account has sufficient funds.
  2. Confirm the new direct debit date with TSB.

Unexpected Charges or Fees

If you notice any unexpected charges after changing your direct debit, reach out to TSB Help and Support. They can clarify the charges and, if necessary, help resolve any issues under the Direct Debit Guarantee.

Direct Debit Change Hasn’t Updated

If your payment date hasn’t updated after requesting a change, try the following:

  1. Check your TSB Mobile Banking app to see if the change has been processed.
  2. Contact TSB to confirm the update.
  3. Ensure there were no issues with the request, such as missing required processing time.

By staying proactive, you can keep your payments running smoothly and avoid any unnecessary stress.

Need to Change Other Payments?

Updating Your Mortgage Direct Debit

You can change your mortgage direct debit using the TSB Mobile Banking app:

  1. Tap the profile icon.
  2. Select ‘Chat to us’.
  3. Type "Change mortgage direct debit" and follow the instructions.

Or, if you’d rather speak to someone, just give TSB a call or visit a branch.

Changing a Standing Order

If you need to adjust or cancel a standing order, here’s what to do in the TSB mobile banking app:

  1. Log in and tap the Payments tab.
  2. Tap ‘Scheduled payments’.
  3. Tap ‘Manage standing orders’.
  4. Select the one you want to change.
  5. Tap ‘Amend’ to adjust it or ‘Cancel’ to remove it.

Final Thoughts

Changing your credit card direct debit date with TSB is easy – whether you use the mobile app, give us a call, or visit a branch. A little planning goes a long way in keeping your finances stress-free!

Learn more about managing your credit card payments today.

 

TSB Bank plc. Registered office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland, no. SC95237.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 191240.

TSB Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service.

Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service. Not all telephone banking services are available 24/7.

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