Service Fee Debit Date and Credit Score Impact

Service Fee Debit Date and Credit Score Impact

I hold an account with Standard Bank, and my salary is paid on the 7th of each month. I have noticed that the monthly service fee is debited on either the 1st or the last day of the month, which often results in a negative balance and is affecting my credit score.

When I called Standard Bank staff, I was informed that the service fee debit date cannot be changed. I would like to understand why this is the case, considering the negative impact it has on my credit record. Standard Bank is such a pain to deal with, and their staff never take accountability for messing up our lives.