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 More (was Credit Card) around the 5th of the month, and for the Credit Card Extra (was Platinumcard) and Credit Card Max 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","richBody":{"value":"All transactions you make with your Credit Card More 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 Credit Card Extra or Credit Card Max? 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":"Which transactions are included in the credit card 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":"Where can I see which transactions are included in the monthly direct debit?"},{"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":"The transaction is still a pre-authorisation. Will this pre-authorisation be collected?"},{"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":[{"text":"View and download your credit card statement","url":"/en/personal/payments/creditcards/read-credit-card-statement"}],"title":"When can I view my credit card statement?"},{"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. You can transfer the positive balance in your ING App.
Please note: do you have a Credit Card Extra or Credit Card Max? 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":"I made an extra payment, but the amount is still collected. How is that possible?"},{"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":[{"text":"Cancel credit card","url":"/en/personal/payments/creditcards/cancel-credit-card"}],"title":"Can the credit card direct debit be collected from another account?"},{"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":[{"text":"Make extra payments to your credit card","url":"/en/personal/payments/creditcards/deposit-and-withdraw"}],"title":"Can I change the credit card due date?"},{"richBody":{"value":"This can have several reasons, such as:
Do you see an unknown transaction? Check your credit card statement for more information.
"},"title":"Why was more money collected than I expected?"},{"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":"What if I don’t have enough balance on the due date?"},{"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.
"},"title":"Can I make a payment arrangement for the next credit card direct debit?"}],"componentType":"accordion"},{"componentType":"cta","textLink":{"text":"Ask your question","url":"https://mijn.ing.nl/banking/mobile/service?dialog=service-contacts-chat"}},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"text":"Pre-authorisations and annual fees","url":"/particulier/betalen/creditcards/creditcard-afschrift-lezen"},{"text":"Extra payments","url":"/en/personal/payments/creditcards/deposit-and-withdraw"}]},{"componentType":"linkList","iconTitle":{"title":"Payments"},"textLinks":[{"text":"Bank accounts","url":"/en/personal/payments/bank-accounts"},{"text":"Mobile payments","url":"/en/personal/payments/pay-with-your-phone"},{"text":"Transfer money","url":"/en/personal/payments/money-transfers"},{"text":"Credit cards","url":"/en/personal/payments/creditcards"},{"text":"Debit cards","url":"/en/personal/payments/debit-cards"},{"text":"Cash","url":"/en/personal/payments/cash"},{"text":"Payments abroad","url":"/en/personal/payments/payments-abroad"},{"text":"Switch from your current bank to ING","url":"/en/personal/payments/switch-to-ing"},{"text":"Payment product rates overview","url":"/en/personal/payments/rates"},{"text":"Compare packages","url":"/en/personal/plans/4-compare-plans"}]}]},"hasMacro":false,"id":"741a2da9-da71-4059-af00-58e27c1f8e7b","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Request a credit card","url":"/en/personal/payments/creditcards"}},"componentType":"productHeader","coreHeader":{"body":"Each month, ING automatically collects your monthly credit card payment from your current account. We explain how and when this payment takes place and answer frequently asked questions, such as which transactions are included and what happens if you make an extra repayment.","headerImage":{"altTextDE":"\"","altTextEN":"\"","altTextFR":"\"","altTextNL":"\"","extension":"jpg","original":"https://assets.ing.com/m/79080c5f64a982fa/original/Close-up-of-clocks-at-street-market.jpg","transformBaseUrl":"https://assets.ing.com/transform/99a6a282-7b42-46cd-be42-8a91f93cf9c7/Close-up-of-clocks-at-street-market","type":"image","width":4434},"title":"Credit card payments"}},"publishDate":"2026-06-10T05:31:12.588+02:00"}}