You don't seem to have asked this question before here on the Community Forum so I'm not sure what you're referring to about not getting any answer?
I presume by direct debit you mean membership plan auto-renewal which is actually a Recurring Card Payment or Continuous Payment Authority and not a direct debit?
And by "my credit shows zero" you mean that your cash credit balance is zero?
When a membership plan is bought, either manually or via auto-renewal, your cash credit balance stays zero.
The money paid for the membership is gone and isn't represented as part of your cash credit balance.
A membership plan and cash credit are totally different things.
This might help to clarify matters for you:
If that doesn't help then you'll need to explain your issue more clearly and in more detail.
If you need to contact 48 support then see the links in my signature below.
