If you cancel your Direct Debit with your bank and you don't tell us, we will still attempt to claim the payment amount due for your credit card.
Also, if your Direct Debit was due within 5 working days then the process to request the funds from your bank will have already started, which means we have probably already requested the funds from your bank.
If your Direct Debit is returned unpaid and/or you fail to make the minimum payment required for your credit card, you will incur a late fee. You won't incur a late payment fee if a manual payment was made to cover the minimum payment on or before the payment due date of your credit card.
Remember, you need to make at least the minimum payment, on time, every month or you will lose any promotional rates on your credit card account.