I got an Aqua credit card recently and I swiftly set up a direct debit to pay the full balance each month. The direct debit is scheduled to be paid on the same day as the payment due date. I did not choose this date myself as there was no option available to choose the date. I would much prefer if the direct debit was to be paid out as soon as possible after the statement was issued. I am worried that the DD will not pay out in time and I will end up slapped with a late payment fee and interest charges. I can make manual payments in the app with a debit card, but that defeats the object of setting up a direct debit. I find it a smidgeon disingenuous that Aqua (NewDay) automatically sets the direct debit date to be the same date as the payment due date. With Amex the direct debit is paid out 10 working days before the payment due date, which I find ideal. Are my concerns justified?