How to Cancel Auto Debit FAB Credit Card Payments

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In the modern era of digital transactions and automated bill payments, credit cards have become indispensable financial instruments. They offer convenience and flexibility in managing expenses, especially with features like auto-debit that ensure timely payments.

However, circumstances change and you may find yourself needing to halt these automatic deductions on your FAB (First Abu Dhabi Bank) credit card.

Whether you want to regain control over your finances, switch payment methods, or simply pause a specific auto-debit arrangement, this article will guide you through the step-by-step process of stopping auto-debit on your FAB credit card.

We'll explore various methods, provide tips to ensure a smooth transition, and empower you with the knowledge to make informed decisions about your financial obligations. So let’s take charge of our credit card payments and achieve greater financial control with this comprehensive guide.

What is the FAB Credit Card Auto Debit Feature?

First Abu Dhabi Bank (FAB) offers the automatic debit feature for credit card payments which deducts the necessary amount from your designated bank account to pay your credit card bill before the due date. This payment method provides an effective method for handling your credit card payments, ensuring prompt payment and minimising the possibility of late fees or penalties.

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When Should You Stop Auto Debit Feature on Your Credit Cards?

You can disable automatic credit card deductions online by following your bank's provided instructions. Experts advise against deactivating this feature unless it's genuinely necessary.

Here are some situations in which you may be required to turn off auto debit for your FAB credit card -

  • When you switch jobs, your banking arrangements, including credit card accounts, may not stay the same
  • If you wish to close your current credit card account and explore new offers
  • When your job location changes
  • If your bank balance isn't sufficient to cover the payments

Customers who prefer making cash payments may find it easier to keep track of their monthly payments. Deactivating credit card auto debit is a practical choice for individuals with irregular cash flows as well as those who hold multiple credit cards.

How to Stop Auto Debit FAB Credit Card Payments?

Discussed below are the two major ways through which you can cancel auto debit FAB credit card payments -

Online Banking -

  • Visit the official website of FAB (bankfab.com) and log into your online banking account. 
  • Select the FAB credit card for which you would like to stop auto debit payments. 
  • Once you have made the selection, follow the instructions thereon. 

Mobile Banking -

You can easily manage your credit card’s direct debit feature with FAB’s mobile banking application. Open the mobile banking app and select the credit card number for which you want to deactivate the auto debit feature. Once done, follow the instructions provided.

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Alternatives to Auto Debit Credit Card Payments

Instead of relying on the automatic debit feature available for FAB credit cards, you can use various alternative methods to manage your credit card payments.

These options include -

  • FAB Branches - As a FAB cardholder, you have the flexibility to visit any First Abu Dhabi Bank branch for personalised assistance. When you visit a branch, you can connect with a knowledgeable bank representative who will walk you through the process of settling your FAB credit card bills. You can rest assured that this method guarantees the secure processing of your payment, overseen by a trained banking professional.
  • FAB Cash Deposit Machines - First Abu Dhabi Bank provides Cash Deposit Machines (CDMs), which are self-service terminals designed to allow customers to deposit funds and settle bills independently without the need for a bank teller. To pay your FAB credit card bill using a CDM, simply insert cash or a cheque into the machine, follow the on-screen prompts to select the 'Pay Credit Card Bill' option, and enter your credit card number. The machine will efficiently credit the payment amount to your credit card account and furnish you with a receipt for the transaction.
  • UAE Bank Account - If you have an account with any UAE-based bank, you can utilise it to conveniently pay your FAB credit card bills. This can be achieved by accessing your internet banking account or mobile banking app and initiating a transfer of the bill amount to your FAB credit card account.

Following successful payment, you will receive a notification confirming the transaction's completion.

Check out some frequently asked questions about how to cancel the auto debit feature on FAB credit cards in the next section.

Frequently Asked Questions

Q1. Can you stop the auto debit feature via your bank?

Ans: Yes, you can halt automatic payments via your bank. This can be accomplished either online through your bank's internet banking platform or by physically visiting your bank's nearest branch and submitting a request for the same.

Q2. How to stop your credit card from directly debiting money?

Ans: The procedure for disabling automatic debit for a credit card may vary from one bank to another. Typically, you'll be required to access your online banking account and navigate to the credit card section on the homepage to opt out of the auto-debit feature.

Q3. What is an auto debit facility on a credit card?

Ans: The auto-debit feature enables scheduled money transfers on specified dates for recurring payments like home loan EMIs, auto loans, utility bills, and credit card bill payments, among others. With this feature, the required payment amount will be automatically deducted on the designated debit date.

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