How to Cancel Auto Debit FAB Credit Card Payments

Quick Overview of the FAB Credit Card Auto Debit Feature

The auto debit facility allows FAB to deduct either the full outstanding amount or the minimum due every billing cycle. This is an excellent way to ensure uninterrupted FAB credit card payments and protection from late fees.

However, as per your circumstances, you can always cancel this. The only thing to keep in mind is that you still need to pay the bills on time. You can do this by — 

• Paying manually through online banking, branches, or CDMs
• Modifying auto debit forms

Explained: How to Cancel FAB Credit Card Auto Debit

Here’s how you can cancel FAB credit card payments related to auto debits —

1. Cancel Auto Debit Using FAB Online Banking

• Log into your account. Choose ‘Personal Online Banking’.
• Choose the option to manage your card.
• Find and use the option to pause or stop auto debit.
• If you face any issue in the same, contact the customer service of the bank

1. Via FAB Mobile Banking

It’s also easy to cancel FAB card payments through the app. Simply follow these steps — 

• Open the FAB Mobile App and log into it. 
• Locate the option to manage your cards. 
• Pause or stop the auto debit as per your requirements.

When to Cancel FAB Credit Card Auto Debit in UAE?

Here’s when it makes sense to cancel FAB bank credit card payments —

• Switching or closing the linked salary account
• Wanting better control over monthly cash flow
• Avoiding large deductions during high-spend months
• Managing multiple cards manually
• Having irregular income cycles

Important Things to Check Before Cancelling FAB Card Auto Debit in UAE

Before you proceed to cancel FAB credit card payment auto debits, review these points carefully —

• Outstanding balance: Make sure you know the total amount due, the due dates, and other details. This way, you can pay the full bill on time without missing.
• Billing and processing dates: If you cancel the auto debit close to the due date, it may not stop the current cycle’s debit. Thus, if you plan to cancel, do so around 1-2 weeks before the due date.
• Alternative payment plan: Be ready with how you will make future FAB bank credit card payments.  
• Minimum payment obligation: Even after cancellation, you need to pay the minimum dues on time. Missing payments after cancelling auto debit can still lead to late fees and penalties.

Can You Pause a FAB Card Auto Debit Instead of Cancelling it?

FAB usually does not offer a ‘pause’ option for card auto debit. You generally get two choices —

• Cancel the existing instruction and pay manually
• Modify the auto debit amount (switching from full payment to the minimum due, for instance)

To temporarily avoid deductions, most users choose to cancel FAB card payment auto debit and resume manual payments until they decide to re-enable it.

Alternatives to FAB Auto Debit Credit Card Payments in UAE

Even if you cancel auto-debit, it doesn’t mean your FAB bank credit card payment stops. The bank still supports many other payment methods. Let’s understand the key ones — 

• Manual online payment: You can use your bank account to pay the bill via FAB’s online banking/payment portal.
• Branch or CDM (Cash Deposit Machine) deposit: You can also pay card bills via branches or CDMs.
• Direct transfer: You can make transfers from another bank account to pay the outstanding amount.

These options give you more control over timing and amount compared to auto-debit, which is useful for those managing multiple accounts or wanting flexibility.

How Does Cancelling Auto Debit Impact FAB Credit Card Management?

After you cancel FAB credit card payment auto debit, it becomes much more important to monitor your monthly statements. Manual payments require discipline, especially for those holding multiple cards or managing variable income.

You may get FAB Bank card reminders via SMS or email, but relying solely on notifications is not recommended. Setting personal reminders ensures that every payment is made before the due date.

Cancelling auto debit does not limit repayment options. As mentioned earlier, FAB bank credit card payment methods remain available, including online transfers, CDM deposits, and branch payments. This gives you better card control.

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