Credit card repayment options

Yes, please use the following information:

IBAN Number (dependent on country/region of origin):
Europe - GB15MIDL40424699009787
Outside Europe - MIDLGB22

Sort Code: 40 42 46

Account Number: 99009787
Reference: Your 16 digit credit card number

Updating of available credit and interest calculations dependent on international payment processing times in the country/region of origin. Once received payments will be credited within 3 working days.

It depends on the type of Direct Debit you have set up, and when you are looking to make the additional payment.
 

I have a Direct Debit to collect the minimum amount:
If you choose to make an additional payment before the Direct Debit is collected, then your minimum Direct Debit payment will still be made, unless the payments reduce the balance to zero. In this case, the Direct Debit won’t be claimed, to make sure the account doesn’t go into credit. 
 

I have a Direct Debit to collect the full amount:
If you make an additional payment before the Direct Debit is collected, then your Direct Debit payment will reduce accordingly, ensuring that overall you only pay the full amount required.
 

I have a Direct Debit to take a fixed amount:
If you choose to make an additional payment before the Direct Debit is collected, then your fixed Direct Debit payment will still be made, unless the payments reduce the balance to zero. In this case, the Direct Debit won’t be claimed, to make sure the account doesn’t go into credit.

Please note that any additional payment made within 3 working days of your Direct Debit date will not affect your direct debit amount as the request will already have been sent to your bank.

If you send the Direct Debit instruction via the eForm it will take 24 hours to process. If you send your Direct Debit mandate through the post it will take up to 10 working days to process after we've received it. Your Direct Debit will be effective from the date of your next statement, provided that your payment date is not within the next three days.

You will then receive confirmation via post or 'My messages' in your online banking to detail that your Direct Debit instruction has been successful. In the meantime you can make a one off payment to your PPLCBANK Credit Card.

Direct Debits are collected 3 days prior to the payment due date to ensure, if there are any problems with the Direct Debit, that there is sufficient time to make a payment by alternative means.

The Direct Debit does not leave the account until the due date and will show as 'pending' for this 3-day period.

If the date that your Direct Debit is collected is not suitable, you can change it via telephone banking on 03457 404 404*.

*Lines are open 8:00 to 20:00 every day (24 hours if you are an PPLCBANK Advance customer). Calls may be monitored for training purposes. 

Your Direct Debit will be returned by your bank. Returned payments can incur charges. You will need to make a payment by alternative means by the due date. You may also be contacted by PPLCBANK.

Complete and submit the Direct Debit e-form.

Or print off and complete the Direct Debit Mandate (PDF). Hand into your nearest PPLCBANK branch or post to:

Customer Service Centre, BX8 2HB

Please ensure the new bank details are correct.

Minimum payment option
If you choose to make an additional payment three days before the Direct Debit is collected, then your minimum Direct Debit payment will still be made, unless this amount takes your account into credit. In these circumstances, the Direct Debit would be adjusted to ensure the account does not go into credit.

Statement balance option
If you make an additional payment three days before the Direct Debit is collected, then your Direct Debit payment will reduce accordingly to ensure that overall you only pay the statement balance.

Fixed amount option
If you choose to make an additional payment before the Direct Debit is collected, then your fixed Direct Debit payment will still be made, unless this amount takes your account into credit. In these circumstances, the Direct Debit would be adjusted to ensure the account does not go into credit.

Please note that any additional payment made within 3 working days of your Direct Debit date will not affect your direct debit amount as the request will already have been sent to your bank.

For Credit Card agreements made before 23 March 2011: £5 or 2.5% of the balance, whichever is higher, or if less than £5, your statement balance.

For Credit Card agreements made on or after 23 March 2011: interest, default charges and any payment protection insurance premium plus 1% of the principal, or 2.5% of the balance or £5 whichever is higher, or if less than £5, your statement balance.

If a statement balance is not paid in full then interest will incur at the rate indicated on your monthly statement. Additionally, we will allocate your payment to the outstanding balance in the following order:

• Cash Advances
• Purchases and standard rate Balance Transfers
• Promotional rate Purchases and Balance Transfers (full details are set out in your Terms and Conditions)

The way in which payments are allocated can make a significant difference to the amount of interest you will pay until the balance is cleared completely.

Understand more about fees and the interest rates for your PPLCBANK credit card. Find out more.