This topic provides the systematic instructions to user for updating and deregistering auto-pay instructions associated with a credit card.

Missing a credit card payment or not having the time to make the payment is a common occurrence. Penalties and extra charges are bound to be applied if a user fails to make a credit card payment on time.

In order to help users avoid such situations, the application supports the auto pay functionality. This feature enables a user to set automatic payment instructions for a specific credit card.

While setting up the auto pay instruction, the user identifies whether the minimum amount due has to be paid or whether the total amount due has to be paid or specific amount has to be paid. The user is also required to identify the linked current or savings account from which the funds are to be debited in order to make the payment.

The Auto pay instruction is executed as per the credit card bill cycle for the selected card. The user can de-register from auto pay at any time.

To update the Auto Pay instruction for the Credit Card:

1. Perform anyone of the following navigation to access the Auto Pay screen.
   • From the Dashboard, click Toggle menu, then click Menu, and then click Cards . Under Cards , click Credit Cards , click on the Manage link. From the Manage My Card, click Primary Settings tab, then click on the Auto Pay.
   • From the Search bar, type Credit Cards – Auto Payand press Enter
   • From the Search bar, type Credit Cards – Manage My Card and press Enter, and then click Primary Settings tab, then click on the Auto Pay

   The Auto Pay screen appears.

2. From the Select Card list, select the credit card for which auto pay instructions need to be set/modified.

   Figure 4-2 Auto Pay Register

   
   

   
   Description of "Figure 4-2 Auto Pay Register"

   
   

   Note:

   The fields which are marked as Required are mandatory.

   For more information on fields, refer to the field description table.

   Table 4-2 Auto Pay Register - Field Description

   Field Name	Description
   Select Card	Select the credit card for which auto pay instructions are to be set or modified.
   Auto Pay	Toggle to register/ de register the Auto Pay facility.
   Amount to Pay	The user can identify whether the total amount due or the minimum amount due is to be paid every billing cycle. The options are: Total Due Minimum Due Specific Amount Note: In case of Auto payment of credit card using Specific Amount option i.e. specific amount, the Small & Medium Business user will have the facility to set up some specific amount which he/she wants to pay in each cycle irrespective of the minimum due amount or overall due amount.
   Source Account	Select the current or savings account number from which the amount is to be debited for credit card bill payment.
   Amount	The amount to be auto paid against the credit card bill per billing cycle. This field will be displayed only if the option Specify has been selected in the previous field.

3. Toggle Auto Pay to register/ de register the Auto Pay facility.
4. Specify whether the total amount due or the minimum amount due or a specific amount is to be paid per billing cycle.
5. From the Source Account list, select the current or savings account number that is to be debited for credit card bill payment per cycle.
6. If you select Specific Amount option in the Amount to Pay list;
   1. In the Amount field, enter the amount to be auto paid against the credit card bill.
7. Perform one of the following actions:
   • Click Submit to activate the card.

     The Review screen appears.

   • Click Cancel to cancel the transaction.
8. Perform one of the following actions:
   • Verify the details and click Confirm.

     The success message appears, along with the service request number.

   • Click Back to navigate back to the previous screen.
   • Click Cancel to cancel the transaction.
9. Perform one of the following actions:
   • Click Transaction Details to view the details of the transaction in read mode.
   • Click Card Details to navigate to the Credit Card Details page of that card.
   • Click on the View Credit Cards link to visit Cards summary page.
   • Click on the Transactions link to view the transactions initiated by the card.
   • Click on the Go to Dashboard to navigate back to Dashboard page.