Credit Card Auto Debit Query

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gischethans

I have auto-debit set up for full amount due for ICICI and HDFC credit cards. Now that we also have a HDFC Easyshop Platinum debit card at home, was hoping to make use of it through HDFC Bill Pay to earn some cashback. I just wanted to check how would auto-debit work in cases where I pay lesser than TAD (total amount due) or if I do not pay through Bill Pay after few months?

Would the auto-debit stay active and is it intelligent enough to deduct just the balance amount or full amount as applicable?

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Sudarshan61 wrote:

ICICI Auto debt is intelligent.

Yes, but it also depends on the gap b/w your manual payment and the auto debit date; If the manual payment isn’t “settled” before the auto-debit date, then it can’t know and will debit accordingly (generally happens with dc payment on mobkwik, hdfc billpay, etc, which might use neft).
The auto-debit facility will however remain active forever unless cancelled;

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hdfc only deducts total due less payment manually made

tried multiple times

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