How to Cancel Auto Debit ADIB Credit Card Payments

Compare & Apply Credit Cards
  • Airport Lounge
  • Shopping Benefits
  • Fuel benefits
  • Movie Discounts

4.6/5

15000+

google-logoReviews

Best credit cards with 0 Annual fee*

  • Dubai
  • Abu Dhabi
  • Sharjah
  • Ras Al Khaimah
  • Ajman
  • Other
  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits
Looking for Specific ?
Filters
Salary range
5,000 AED50,000+ AED
Credit card Banner
Most Popular Credit Card in UAE

Whether it's for improved financial planning or a shift in your financial situation, there are instances when you might want to pause those automatic debit transactions on your ADIB credit card. However, canceling auto debit payments can be a challenging task if you're not familiar with the process.

In this detailed guide, we will take you through the step-by-step process of canceling auto debit payments on your ADIB credit card in the UAE. We will help you understand the required documentation and guide you through the specific procedures for UAE residents, ensuring you have all the information you need!

After going through this article, you'll be thoroughly prepared to regain control of your credit card payments and assume command of your financial path in the UAE when it comes to your ADIB credit card.

What is Auto Debit ADIB Credit Card Payments?

The process of authorizing your Abu Dhabi Islamic Bank credit card to automatically deduct specific amounts from your linked bank account or another funding source to pay your credit card bills on a regular schedule is referred to as auto debit ADIB credit card payments, also known as automatic debit or recurring payments.

In this way, you give ADIB your consent to deduct the required minimum payment, a specified sum, or the entire balance due on your credit card at regular intervals, such as monthly, quarterly, or yearly.

This arrangement minimizes the possibility of missing payments and incurring late fees or interest charges by ensuring that your credit card payments are paid promptly and automatically. It can be a convenient way to manage your credit card payments and maintain a good credit history.

Cashback Back & Free Airport Lounge Access - Policybazaar uae

  • Advantages of the Auto Debit Feature for ADIB Credit Cards - Outlined below are the key reasons why opting for the auto-debit feature on your ADIB credit card can be highly advantageous:
  • Facilitates Timely and Consistent Payments - The auto debit feature ensures your payments are made promptly and consistently, saving you time and effort.
  • Avoids Late Payment Charges - By automating your credit card payments, you can steer clear of late payment fees.
  • Enhanced Security - ADIB's automatic payment processes are safeguarded through robust encryption techniques, minimizing the risk of security breaches and identity theft.
  • Builds Strong Credit History - Consistent payments through auto debit contribute positively to your credit history, helping you maintain a favorable credit Score.
  • Peace of Mind with ADIB Direct Debit Instruction - You can enjoy peace of mind, knowing that your payments are taken care of without the need for manual intervention.
  • Convenient for Subscription Services - With various subscription charges, the auto-debit feature offers unparalleled convenience for managing your recurring payments.
  • Payment Flexibility - ADIB's auto debit service allows you to choose between paying the total amount due (TAD) or the minimum due amount (MDA), offering flexibility in settling your credit card bills.

discount offers - Policybazaar uae

When Should You Cancel Your Auto Debit on ADIB Credit Card Payments?

The process for canceling the auto-debit feature on your ADIB credit card is typically straightforward and can be completed online by following your bank's guidelines. However, be cautious and deactivate this feature only when necessary, as it ensures your credit card payments remain consistent and avoids any disruptions in your financial management. You have the flexibility to initiate the deactivation at a time that suits your financial needs and circumstances.

As mentioned earlier, the auto-debit feature for credit cards can be highly convenient for handling regular transactions. Nevertheless, there are instances when you should consider disabling the automatic feature on your ADIB credit card:

Changing Jobs and Bank Accounts

When you transition to a new job, you might also switch to a different bank account. In such cases, reevaluate your auto debit settings. Suppose your ADIB credit card is linked to your old account for automatic payments. In that case, you should consider turning off this feature and updating your payment information to ensure seamless transactions.

Opportunity for New Offers

Credit card offers and rewards are continually evolving. You may come across enticing promotions or deals from ADIB or other credit card providers. Suppose you decide to close your current ADIB credit card account and take advantage of a new card offer. In that case, it's sensible to deactivate the auto-debit feature to prevent any unintended charges on the old card.

Job Location Changes

Suppose your job requires you to relocate, especially to a different country or region. In that case, you should review your automatic payment arrangements. Depending on your new location, currency, and banking setup, you may need to make adjustments to your ADIB credit card payments.

Insufficient Bank Balance

Maintaining an adequate balance in your bank account linked to the auto debit feature is crucial. If your account lacks the necessary funds to cover your credit card payments, it could result in declined payments, late fees, and potential damage to your credit score. In such situations, consider deactivating the auto debit until your financial situation stabilizes.

discount offers - Policybazaar uae

How To Cancel Auto Debit ADIB Credit Card Payments?

To cancel auto debit payments on your ADIB credit card, you can follow these general steps.

  • Contact ADIB Customer Support - Use the phone number on the back of your credit card or the ADIB website to contact ADIB customer service. Let them know that you want to turn off your credit card's auto-debit option. They will guide you through the specific steps and requirements.
  • Provide Necessary Details - Be prepared to give the customer support agent your credit card information, including the card number, name on the card, and any other details they may require for verification.
  • Complete Required Forms - You could be asked to fill out a cancellation form by ADIB. Depending on ADIB's policies, this form could be electronic or physical. Pay attention to their directions and carefully fill out the form with all the required information.
  • Verify the Cancellation - Verify with an ADIB representative that the auto-debit option has been effectively canceled after submitting the cancellation request or form. For your records, they could also provide you with a confirmation reference number.
  • Monitor Future Statements - Monitoring your ADIB credit card bills after stopping auto debit to ensure that automatic payments are no longer being carried out. Verify to see if your cancellation request was processed correctly.

FAQ's

Q1. How do I cancel the auto-debit feature on my ADIB credit card?

Ans: To cancel auto debit on your ADIB credit card, contact ADIB customer support, provide the necessary information, complete the required forms, verify the cancellation, and monitor future statements.

Q2. What's the process for changing auto debit settings with ADIB?

Ans: To change auto-debit settings, you need to contact ADIB's customer support and follow their specific instructions and forms.

Q3. Is canceling auto debit a permanent decision?

Ans: No, canceling auto debit is not permanent. You have the flexibility to initiate the deactivation when you choose.

Q4. Are there any consequences for canceling the auto-debit on my ADIB credit card?

Ans: Canceling auto debit could require you to manually manage your credit card payments, so it's essential to have alternative payment methods in place to avoid late payments and potential penalties.

Q5. Can I reactivate the auto-debit on my ADIB credit card after canceling it?

Ans: Yes, you can reactivate auto debit on your ADIB credit card in the future if you decide it's the best option for your financial management.

Q6. Will my auto debit cancellation affect my credit score?

Ans: Canceling auto debit itself does not directly affect your credit score. Ensure that you make manual payments on time to maintain a positive credit history.

Q7. What are the primary benefits of managing my ADIB credit card payments manually?

Ans: Manual payments give you more control over your finances. It allows you to adjust payments based on your financial situation. It also ensures you stay informed about your credit card transactions and spending.

  • Bank Info: ADIB​ 1777, Sheikh Rashid Bin Saeed Street​ E48, Al Muntazah, Abu Dhabi, Abu Dhabi Municipality, Abu Dhabi Emirate
  • Email: customerservice@adib.ae
  • Personal Banking Contact: Local - 600543216, International - +971 2 6100600
More From Credit Cards