How to Cancel Auto Debit Citibank Credit Card Payments

Whether it's for better budgeting or a change in financial circumstances, there are times when you may need to halt those automatic debit transactions from your Citibank credit card. At the same time, cancelling auto debit payments, just like setting them up, can be a daunting task if you're unfamiliar with the process.

In this comprehensive guide, we will walk you through the step-by-step procedure to cancel auto debit Citibank credit card payments in the UAE. From understanding the necessary documentation to navigating the specific Citibank procedures for UAE residents, we've got you covered!

By the end of this article, you'll be well-equipped to regain control over your credit card payments and take charge of your financial journey in the UAE.

What is Citibank’s Direct Debit Instruction?

Direct Debit Instruction is a type of financial transaction wherein Citibank directly debits the amount from your credit card account as per your set instructions. This type of payment method is suitable for making recurring payments such as paying your utility bills or Equated Monthly Instalments (EMIs).

To ensure that this feature works in your favour, you will be required to ensure that your credit card account has sufficient balance to successfully make automatic payments.

Benefits of Auto Debit Feature on Citibank Credit Cards

Listed below are the major reasons why it is beneficial to opt for an auto debit feature on Citibank credit card -

• It enables punctual and consistent payments while helping you save time and effort.
• It helps you avoid late payment charges.
• There is less risk of identity theft. As most of the Citibank automatic payment processes are secured via encryption techniques, this payment technique is secure and involves minimal possibilities of breaches.
• It helps in building credit history by ensuring that the payments remain consistent. This, in turn, ensures that you have a good credit Score.
• Citibank Direct Debit Instruction ensures your peace of mind, as you would not be worked up about what needs to be paid and when.
• In today's world, where various platforms have weekly, monthly, quarterly, or yearly subscription charges, this feature offers the utmost convenience.
• This service allows you to choose between two payment methods: paying the total amount due (TAD) or the minimum due amount (MDA), providing you with flexibility in terms of settling your bills.

When to Cancel Auto Debit Feature on Citibank Credit Card Payments?

As mentioned earlier, the auto debit feature of credit cards can be pretty convenient for making regular transactions. However, there are times when you should think about turning off the automatic feature on your Citibank credit card -

• When you change jobs and may not continue using the same bank account and credit card account
• When you want to close your existing credit card account and take advantage of new offers
• When you change your job location
• When your bank balance is insufficient to cover your payments

Different banks have slightly different procedures for handling auto-debit services on their customers' credit and debit cards. Some banks may ask you to complete a form — either physical or virtual — while others might only require you to log into their website and make a few simple clicks to manage this service.

Deactivating your credit card's auto-debit feature can be done online by following the guidelines provided by your bank. However, experts recommend deactivating it only when it's truly necessary. You can initiate the deactivation whenever you want.

Steps to Submit a Cancel Instruction Service Request

Given below are the general steps to submit a direct debit service cancellation request -

• To utilise the Direct Debits Services, simply select ‘Direct Debits Services’ from the CitiDirect navigation bar. This selection will prompt the appearance of the Direct Debits Services Summary Form.
• Next, go to the Input/Modify Tab and click on ‘New’.
• Now, click on ‘Cancel Instruction’. This will open the Service Search Dialog box, where you can enter search criteria to find the transaction for which you want to request services.
• Enter your criteria and hit ‘Run Search’. The results dialog box will display any direct debit instructions that match your search criteria.
• Choose the instructions that you wish to cancel. You can select multiple transactions by either dragging the cursor down sequential lines or holding the CTRL key while clicking on individual lines that are not in sequence.
• After selecting, click ‘OK’. The information related to the chosen initial service request will be displayed on the Direct Debits Request Detail Form. The data found in the fields located at the top of this form will correspond to the first selected transaction.
• If you want to view the original data for the instruction, simply click on ‘View Original Values’. This will open a pop-up window displaying all the data for the original transaction.
• Finally, click on ‘Submit’ to have your request submitted for validation.

Check out some frequently asked questions about how to cancel auto debit Citibank credit card payments in the next section.

Frequently Asked Questions