Credit being issued

[Chaz-79]

I've been notified of a credit of £29.15 but if my direct debits continue as normal how do I retrieve or spend the credit.

[Mark_Weinreb]

@Chaz-79 

The credit will be applied to your next bill (or bills if you pay less then £29.15 per month). 

[RoyB]

@Chaz-79 

They aren’t direct debits against your bank account, they are CPAs (Continuous Payment Authorities) against one or more Credit or Debit cards you may have.

The difference is small for most practical purposes, but you have slightly less rights with a CPA than you do with a DD.

But either way, when Now give you a credit amount, your CPA(s) are drawn against that credit instead of against one of your cards, until the credit is exhausted.

[Jayach]

Or, to put it another way, the credit will be applied to your account, so the account will be "in credit" until it is used up.