I've done a balance transfer from my credit card onto another card prior to when my direct debit was due but as I always pay the full balance each month by direct debit my bank is telling me that I don't have enough money for it. This is because my Tesco credit card has processed the balance transfer as well as the full statement balance.
I was thinking that the DD would adjust to reflect the lower balance after the balance transfer. Is this the case? I don't want to pay bank charges for a failed DD when it's not necessary.
@Shonajane Hey there, thanks for getting in touch!
I'm sorry to hear about this. In this instance, once the transfer had completed the direct debit instruction should have been updated manually to reflect how you wished pay moving forward.
If this wasn't updated, the direct debit based on your previous instruction. If you give us a call, we'll be able to amend the direct debit, the status of your account and the next steps. It's likely you'll be told to contact your bank to reverse the direct debit, but my colleagues will explain that in more detail.
You can reach the Credit Card team on 0345 300 4278 (Mon - Fri: 8am to 9pm, Sat - Sun: 8am - 6pm) and they'll be happy to help.
To speak to one of my colleagues, please choose option 2 and enter your security details, then press 0. If you don't have any details to hand, just press 0 and you will then be passed through.
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How we collect and use your personal data
Tesco Personal Finance plc, trading as Tesco Bank as part of the Tesco Group take the security of your data seriously. We want you to be confident that your data is safe and secure with us and understand how we use it.
We collect data when you browse our website (e.g. your IP address) and register for the Community. To find out more about how we use your data, our legal basis for processing your data and your rights under data protection laws please view our Privacy Policy.
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Tesco Bank Community Terms of Service v 1.0
The Tesco Bank online community ('Your Community') is for Tesco Bank customers, staff, contributors and supporters to discuss products, services, issues and matters of general interest. Your Community content may be viewed by both members and non-members.
We encourage you to enjoy Your Community. However, please note that by using Your Community, you're confirming to us that you've read and have agreed to be bound by these Terms of Service and our House Rules. If you're unable to accept these Terms of Service and/or our House Rules for any reason, please do not use Your Community.
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Choice of law and location for resolving disputes
You agree that the laws of Scotland govern these Terms of Service and any claim or dispute that you may have against us will be resolved in Scottish courts only.
Modifying these Terms of Service
We reserve the right, in our sole discretion, to modify these Terms of Service at any time without notice. Modified Terms of Service are effective as soon as they are posted. We also reserve the right to waive or modify any of these Terms of Service as they apply to a specific posting, communication or user without affecting the application of these Terms of Service to all other postings, communications and users. Your continued use of Your Community, or any content or services accessible through it, after modified Terms of Service are posted means you accept the modifications. We may also make any changes to the look and feel of Your Community at any time without notice.
ChristopherP
