Every month, we collect the amount you have spent with your credit card. This amount is automatically collected from your current account. You can see the amount in advance in your credit card overview in the ING app or Mijn ING.
If you use spread payments, we'll collect 5% of the outstanding amount every month, with a minimum of €45. This amount includes repayment and interest. Is the outstanding amount less than €45? Then we collect the full amount.
If you don’t spread your payments, we’ll collect the total balance every month.
"}},{"componentType":"sectionTitle","title":"When will we collect your payment?"},{"componentType":"paragraph","richBody":{"value":"We collect the amount for the credit card around the 5th of the month, and for the Platinumcard around the 6th of the month. If this date falls on a Saturday, Sunday, or public holiday, we collect the amount on the next working day. See below for the exact dates.
"}},{"componentType":"paragraph","title":"Credit card payment due dates","richBody":{"value":"All transactions you make with your (Student) Credit card between the 4th day of one calendar month and the 3rd day of the next calendar month are included in the monthly direct debit.
Do you have a Platinum card? Then all transactions made between the 5th day of one calendar month and the 4th day of the next calendar month are included in the monthly direct debit.
"}},{"title":"Where can I see which transactions are included in the monthly direct debit?","richBody":{"value":"You can find your credit card transactions in Mijn ING or the ING app. Click on your credit card and choose ‘show previous period’ to see which transactions were collected last month.
"}},{"title":"The transaction is still a pre-authorisation. Will this pre-authorisation be collected?","richBody":{"value":"A pre-authorisation is a payment that is not final yet. It can take up to 21 days before a credit card pre-authorisation is processed or disappears from your overview. pre-authorisations are not included in the monthly direct debit. If the pre-authorisation later becomes a final transaction, the amount will be collected with the next credit card direct debit.
"}},{"title":"When can I view my credit card statement?","richBody":{"value":"You can view or download your monthly credit card statement in Mijn ING or the ING app. We add the statement to your overview every month on the 7th.
"},"textLinks":[{"url":"/en/personal/payments/creditcards/read-credit-card-statement","text":"View and download your credit card statement"}]},{"title":"I made an extra payment, but the amount is still collected. How is that possible?","richBody":{"value":"Did you make an extra payment between the 4th day of one month and the 3rd day of the next month? Then we include this in the direct debit. Did you add money after that period? Then it may have been processed too late. The amount will either be deducted next month or remain as a positive balance on your credit card. Do you want to transfer this positive balance from your credit card to your current account? We’re happy to explain how you do that.
Please note: do you have a Platinum card? Then this applies to extra payments made between the 5th day of the calendar month and the 4th day of the next calendar month.
"}},{"title":"Can the credit card direct debit be collected from another account?","richBody":{"value":"It’s not possible to change the linked account for a credit card. Do you want to link your credit card to another current account? Then you need to cancel your current credit card and apply for a new one linked to the correct account. Please note: we will assess again whether you are eligible for a credit card.
"},"textLinks":[{"url":"/en/personal/payments/creditcards/cancel-credit-card","text":"Cancel credit card"}]},{"title":"Can I change the credit card due date?","richBody":{"value":"No, the due date of your credit card is fixed and can't be changed. Do you want to avoid the full amount being collected at once? You can make extra payments to your credit card in advance.
"},"textLinks":[{"url":"/en/personal/payments/creditcards/deposit-and-withdraw","text":"Make extra payments to your credit card"}]},{"title":"Why was more money collected than I expected?","richBody":{"value":"This can have several reasons, such as:
Do you see an unknown transaction? Check your credit card statement for more information.
"}},{"title":"What if I don’t have enough balance on the due date?","richBody":{"value":"The monthly credit card costs are always collected from your current account, even if this puts your account into unauthorised overdraft. So make sure you have enough balance on your current account.
"}},{"title":"Can I make a payment arrangement for the next credit card direct debit?","richBody":{"value":"It’s not possible to set up a payment arrangement in advance for an upcoming credit card direct debit. If you don’t have enough balance, your account will go into overdraft. Are you in unauthorised overdraft? Read here what you can do to fix this.
"}}]},{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/service?dialog=service-contacts-chat","text":"Ask your question"}},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"url":"/particulier/betalen/creditcards/creditcard-afschrift-lezen","text":"Pre-authorisations and annual fees"},{"url":"/en/personal/payments/creditcards/deposit-and-withdraw","text":"Extra payments"}]},{"componentType":"linkList","iconTitle":{"title":"Payments"},"textLinks":[{"url":"/en/personal/payments/bank-accounts","text":"Bank accounts"},{"url":"/en/personal/payments/pay-with-your-phone","text":"Mobile payments"},{"url":"/en/personal/payments/money-transfers","text":"Transfer money"},{"url":"/en/personal/payments/creditcards","text":"Credit cards"},{"url":"/en/personal/payments/debit-cards","text":"Debit cards"},{"url":"/en/personal/payments/cash","text":"Cash"},{"url":"/en/personal/payments/payments-abroad","text":"Payments abroad"},{"url":"/en/personal/payments/switch-to-ing","text":"Switch from your current bank to ING"},{"url":"/en/personal/payments/rates","text":"Payment product rates overview"},{"url":"/particulier/betalen/bankrekeningen/pakketvergelijken","text":"Compare packages"}]}]}}}