Originally Posted by
johnspenceruk
All other CC's I have ever had, when I pay the balance in full manually, they never took the DD ...
My experience is different. Some do, some don't.
Also, you don't say, but I suspect your AmEx may be a charge card rather than a credit card for which different terms may apply.
Originally Posted by
johnspenceruk
That is the standard practice. I have worked in banking, so I should know!
Well, golly gosh, so have I.
All UK CC providers (apart from AMEX) that I can think of, do exactly this.
See above. From memory, I believe MBNA cards take the amount shown on the statement as payable, regardless. MBNA is of course a major player in the UK card industry.
The answer with a credit card d/d is to select the minimum payable, thus giving you the option of paying the balance manually, or not as the case may be. With a charge card, which requires full payment, you wouldn't have this option.