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How Can I Change the Debit Card I Repay My Loan With? A Step-by-Step Guide

If you borrow a payday loan, your lender will most likely collect your repayment straight from your debit through the continuous payment authority or CPA. That’s why payday lenders require accurate and up-to-date debit card details before they can approve your loan application.

But what happens when you need to change your registered debit card details? Well, if for whatever reason, you need to change your debit card details, there are plenty of ways to do so. Below, we’ll look at some of the easiest ways to change the debit card you repay your loan with.

Change Via The Lender’s Website or App

You can update and add basic debit card details online. Here’s how:-

Step 1: Open the lender’s website or app and sign in to your payday loan account.

Step 2: Once you’re signed in, navigate to your “Account Settings” page.

Step 3: From there, navigate to your debit card details, make the changes, and click “save“. You will probably receive an email confirming the changes you just made.

Are there any charges? Well, most lenders won’t charge you for changing your debit card information.

What If My Lender Doesn’t Have a Website or App?

Although it’s technically impossible in this era, you may find your lender doesn’t have an online platform (website or app). This means you can’t change your debit card details online. So what should you do?

Your lender may not have a website or app, but they certainly have a customer support phone number. So all you have to do is pick up the phone and call them, but before you do, make sure you have the following information (for verification purposes):

  • Your current card details
  • Your previous card details
  • Relevant personal information

Your lender’s customer representative will guide you through the process, but typically they’ll ask you a few questions to verify you’re the owner of the account. Then, if everything checks out, they’ll ask For your new debit card details, and voila! Mission complete.

Is There Any Other Way?

Well, if the first two don’t work, you can always message them on social media. You can also choose the email route. However, this may not be the most practical alternative, given that some lenders take days or even weeks to reply to emails. But, if email is your means of choice, here are the steps you’ll follow:-

Step 1: Find your lender’s email address. You can search for their email on online business directories.

Step 2: Compose an email to your lender. Ensure your email subject line is short and straight to the point — something in the lines of “Request for Change of Debit Card Details“. In your email body, ensure:

  • You include your full name and account details. Don’t share your passwords!
  • Clearly state that you want to change your debit card details.

If everything fails, you can visit your lender’s physical branch and ask them to change your debit card details.