Credit Cards Find out how to set up and manage your Credit Card repayments by Direct Debit. When you pay your Credit Card by Direct Debit, you can choose to pay either the minimum balance or the full balance for each statement. Minimum balance: The minimum payment is what you must pay by the due date shown on your statement each month. If your statement balance is €25 or less, the total amount of the balance will be shown. Full Balance: The full balance is the total balance shown on your statement for the billing period.