I am reading this right....
You have a credit card which you use
The credit card bill is due monthly. (10th)
You have a debit card account (Halifax - probably cardcash).
1) You use direct debit to pay the credit card, a fixed amount set up monthly to come out of the cardcash account?
Or
2) You use a recurring card payment from the debit card to pay the credit card?
I think it is paid by option 2? my reasoning is that if it is direct debit from a cashbuilder account it would be rejected and incur charges (the credit card would not be paid)
Why does the payment date for the credit card change? can it not be fixed for a set date?
Personally, I would do the following:
Cancel the recurring card payment from the debit card.
Ensure the credit card provider is informed.
Await your monthly statement
Halifax has a fairly good online service, Even though your savings account probably has no direct debit facility, you should be able to make a payment from it via the online banking.
So once you have your CC statement, simply go online and make a one time payment to the CC from your savings account. (assuming its not limited access savings account). This will omit the need for the debit card.
Just repeat this monthly, once you have made your first payment, the online banking remembers all the details so it's a doddle each time after that.
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