There are many ways in which people with credit cards make repayments on their credit card debt, with some paying by Internet bank or by phone and others paying at a post office or through the bank. There are also people that set up a standing order or direct debit to make their payments on their credit cards, and industry officials have said that this is usually the most suitable and convenient way, which could also save them facing charges from late and missed repayments.

Many people that make payments manually on their credit card debts have the hassle and inconvenience of having to remember to make the payments and having to take some sort of physical action – such as making a call or heading to the post office of bank – to make the payment. Those that pay by direct debit, on the other hand, are able to sit back and relax in the knowledge that the payment will go out automatically so they can forget about it.

One of the main benefits of paying by direct debit is that the risk of missed and late payments is eliminated as the credit card provider will request the payments from your bank themselves, which means that the payment will always go out on time and will always be for at least the minimum repayment. Those that make payments manually are at risk of missing payments or making late payments, which can result in additional fees and charges, which then bump up the debt on the credit card.

One official from the UK Cards Association said: “Setting up a direct debit for at least the minimum repayment is a sensible idea as it helps you to avoid any late payment fees.”

She added that many people repaid their balance in full each month, which enabled them “to take full advantage of any of the benefits associated with using their cards, without borrowing on them and paying any interest.”

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