Paid off Credit Card - will DD still be taken?

[greenlily]

Hi all, hope you can help.

I usually pay off my credit card in full each month via a Direct Debit. This tends to come out on the 22nd of the month. I paid off my credit card early this month via a bank transfer, and it shows as a zero balance on the credit card website.
My question is, would the DD be based on what was shown on the last statement (approx £300), or will their systems automatically check the CURRENT balance on the account (i.e. zero) and not take a payment?

I hope that makes sense!
Thanks in advance,
GL

[boxtops]

If you have a zero balance and it shows as such on their website on your account page, then no, they won't take money. (This is my experience when I have paid off a card.) However - just to be on the safe side - go to your bank and stop the direct debit, instruct the bank not to accept any more under that particular DD.
I bank on-line and I can just click on the direct debit I want to stop, which cancels it. (Unless of course you plan to use the card again in future, in which case it may be better to leave it active.)

[dzug2]

It depends on the card issuer - some will still take the DD regardless of any interim payments.
Others will reduce the DD by the payment, provided it's arrived in time to stop the process (at least a week)

[ummmm]

Phone the credit card company.

Did you have a balance from last month? If you did then they'll be charging interest this month.

[greenlily]

Thanks all, wow quick responses! :)

boxtops - funnily enough, that's exactly what I did (great minds... :)). The thing that worries me is that I only cancelled the DD today (online), and my bank said the cancellation could take up to 3 days to process, and the CC site said up to 8 days! It's not a huge problem, I won't go overdrawn or anything, I'm just incredibly lazy and am hoping not to have the hassle of chasing them for my money back :)
dzug - thanks for your response, too - I paid it off about 10 days ago, and it shows on their own website as paid...guess it just depends on their individual system as you say...
ummmm - I didn't have an outstanding balance last month, so interest's not a problem, but I think I'll call my bank and the CC company just to make doubly sure! :)

Thanks again all, have a great day!
GL