{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Your monthly credit card repayment is debited from your current account. This can create arrears on your current account.","robotInstruction":{"noFollow":false,"noIndex":true}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Direct debit when balance is (too) low"},{"componentType":"paragraph","richBody":{"value":"<p>Your monthly credit card repayment is always debited from your current account: even if there isn’t enough money in it.</p><p><strong>This can create arrears on your current account.</strong></p><p>We debit the repayment for the <strong>Creditcard</strong> around the 5th of the month and for the <strong>Platinumcard</strong> around the 6th. Check the exact dates below.</p>"},"textLinks":[{"text":"View debit dates","url":"/en/personal/payments/creditcards/credit-card-due-date"}]},{"componentType":"sectionTitle","title":"What happens to your current account?"},{"componentType":"paragraph","richBody":{"value":"<p>If you have arrears on your current account, you cannot use that account to make payments.</p><p>Any money coming into that account will be used to reduce your arrears. This means (part of) your income may go towards clearing the negative balance on your current account.</p><p> </p><p><strong>Expecting payment problems?</strong></p><p>Do you receive your income in the account where your credit card repayment is debited? And do you expect problems paying for daily groceries and other bills?</p><p>Contact us now. We will look for a solution together. Go to ING Achterstanden to get in touch with one of our colleagues. </p><p> </p>"},"textLinks":[{"text":"Go to ING Achterstanden","url":"https://mijn.ing.nl/banking/mobile/collections?EW=true"}]},{"componentType":"sectionTitle","title":"What happens to your credit card?"},{"componentType":"paragraph","richBody":{"value":"<p>If you have arrears on your payment account, we may block your credit card. If it takes too long to resolve the arrears, we will terminate your credit card.<span><span><span><span> </span></span></span></span></p><p><strong>Even if you have a payment arrangement, we may still block or terminate your credit card.</strong></p><p> </p>"},"textLinks":[{"text":"Read more about a credit card block","url":"/en/personal/collections/credit-card-blocked"}]},{"componentType":"sectionTitle","title":"No arrears yet, but want help?"},{"componentType":"paragraph","richBody":{"value":"<p>Do you expect to need help managing arrears? Read more about <strong>help with money worries</strong>. You will also find how to contact our Prevention desk.</p>"},"textLinks":[{"text":"Help with money worries","url":"/en/personal/money-worries/prevent-money-worries"}]},{"componentType":"sectionTitle","title":"Do it yourself in ING Achterstanden"},{"componentType":"paragraph","richBody":{"value":"<p>In ING Achterstanden, you can view your arrears and pay them now. Need more time? Make an online payment arrangement. There you will see how much extra time we can give you to resolve it.</p><p>If that does not work, you can contact one of our colleagues via ING Achterstanden for further help.</p>"}},{"componentType":"cta","textLink":{"text":"Go to ING Achterstanden","url":"https://mijn.ing.nl/banking/mobile/collections?EW=true"}},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"text":"Help logging in","url":"/en/personal/collections/go-to-ing-achterstanden"}]},{"componentType":"sectionTitle","title":"Want to know more?"},{"componentType":"paragraph","richBody":{"value":"<p>Do you have another question about your credit card?</p><p> </p>"},"textLinks":[{"text":"Read more about credit cards","url":"/en/personal/payments/creditcards/my-credit-card"}]}]},"hasMacro":false,"id":"6f6a07fe-0ed7-41c4-861a-310947b177a5","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Resolving arrears","url":"/en/personal/collections"}},"componentType":"productHeader","coreHeader":{"body":"Not enough money in your current account to cover your credit card repayment? Read more below.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/7797498d80d9cd4b/original/manchild.jpg","transformBaseUrl":"https://assets.ing.com/transform/cc64a0d0-847d-40ca-89f6-b071ca5a51e8/manchild","type":"image","width":814},"title":"Cannot pay your credit card?"}},"publishDate":"2026-04-28T10:00:36.619+02:00"}}