How to Auto Debit Ajman Bank Credit Card Payments?

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Founded in 2007, Ajman Bank marked a historic milestone as the inaugural Islamic bank to be established in Ajman. In February 2008, its shares were publicly listed in the Dubai Financial Market, leading to the official commencement of its operations in 2009, initially through two branches in Ajman. The emirate's government strongly endorsed the bank, which holds a significant 25 percent stake in the institution. Ajman Bank's headquarters are in Ajman, boasting a network of branches and ATMs spanning the United Arab Emirates.

A pivotal component of the emirate's economic development strategy, Ajman Bank delivers a comprehensive array of responsible banking and financial services in compliance with Shari'ah principles. These services cater to individuals, businesses, and governmental organizations, all aimed at fostering growth and advancing economic prosperity. Ajman Bank strikes a balance by caring for the community and its employees, striving to create a brighter future for all, replete with exciting financial prospects.

Understanding Auto-Debit

Auto debit, or direct debit by various other names, shares a consistent underlying concept among most credit card providers. It lets you conveniently pay your credit card bills directly from your savings account.

Once you've set up an auto debit arrangement, your credit card issuer will automatically access funds from your designated bank account to fulfill your bill payments according to your specified instructions.

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How to Auto debit Ajman Bank Credit Cards payments and Points to consider while making payment

Overdraft fees

Automatic credit card payments can lead to overdraft fees if your bank account lacks sufficient funds. These fees typically average around $34. To prevent this, check your account balance regularly and adjust the payment amount if necessary, even opting for the minimum payment. 

Payment date

To avoid late payments due to processing delays, opt for a date a few days before your due date.

Errors and fraud

With automatic payments, it's easy to overlook reviewing your credit card statement for unfamiliar charges. Make it a habit to scrutinize your statement regularly to promptly dispute any incorrect or fraudulent charges.

Payment amount

Setting your payment to cover the entire balance is advisable, as paying only the minimum avoids late fees but accumulates interest. Paying a fixed amount is better than the minimum. However, it can still result in carrying a balance and paying interest or even overpaying your credit card.

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How to Auto debit Ajman Bank Credit Cards payments and activate your Ajman Bank Internet Banking

  • Access your account by providing your username and password.
  • Access the 'Credit Card' menu and click on it.
  • If you possess multiple Ajman Bank credit cards, choose the specific card you wish to activate.
  • Enter your credit card details and proceed with submission.
  • An authentication code will be sent to the mobile number you have registered.
  • Enter the received code and generate a new PIN.
  • Re-enter the same PIN for confirmation.
  • Upon submission, your credit card will be successfully activated.

Log in to Your Ajman Bank Mobile Banking

  • Install Ajman Bank app 
  • Access your account using the correct login information.
  • Navigate to the 'Credit Card' section and choose the specific card you wish to activate.
  • Opt for the credit card activation option.
  • Input the necessary credit card details and proceed accordingly.
  • An authentication code will be dispatched to your registered mobile number.
  • Enter the received OTP (One-Time Password) and generate a new 4-digit PIN.
  • Re-enter the PIN to confirm it and then submit the information.

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How to Auto debit Ajman Bank Credit Cards payments

The procedure for setting up automatic credit card paymentsis typically straightforward. You can often arrange auto debit payments by accessing your online banking or mobile banking account. After completing the process, you can select your monthly payment amount and link your bank account. It's important to note that this monthly withdrawal system offers flexibility, allowing you to discontinue or modify the service as needed.

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