If your direct debit collected a different amount than you expected, there are a few likely explanations. Check these before contacting us — most changes are automatic adjustments your agreement permits.
Common reasons the amount changes
A missed or short payment was caught up
If a previous direct debit was returned or collected short (for example, because of insufficient funds), the arrears amount is added to the next collection once your account balance is restored. The collected amount will be higher than normal until the account is brought back to schedule.
A payment arrangement ended
If you were on a reduced-payment arrangement, your monthly collections revert to the original scheduled amount (or a new agreed amount) once the arrangement period ends. If you were not expecting this, check whether your arrangement has finished — see your portal or the arrangement confirmation email.
A top-up changed your balance
If you took an additional drawdown or top-up, the repayment schedule is recalculated and your monthly collection may increase.
Interest accrual on a flex drawing
If you hold a Credicorp Flex drawdown, the interest collected each month reflects how much was drawn and for how long. A larger or longer-held drawdown costs more each month.
What to do
- Sign in to your portal and check Payments → Repayment schedule to see how your current monthly figure is calculated.
- Compare the portal figure to what was collected. If they match and you do not recognise why, contact us using the General Support Enquiry form in the Help section.
- If the portal figure and the collected amount do not match, contact us straight away — this may indicate an error.
Getting a refund if money was collected in error
If we confirm the collection was made in error, we will arrange a refund within three business days. Refunds go to the account your direct debit is collected from.
See also: My direct debit was not collected, My repayment schedule looks wrong, A payment shows as failed in my portal.