Creditors must:

1. Set the deduction date in accordance with the salary deposit date for salaried consumers, or as agreed upon with the consumer for non-salaried consumers, ensuring it is specified in the finance contract or repayment schedule, considering changes in salary deposit dates, whether continuous or temporary (e.g., when salary deposit date coinciding with weekends or holidays). 
    
2. Deduct the installment on the agreed date, and if the agreed date is exceeded due to a creditor's reason without obtaining the consumer's consent for deduction for each case individually after the agreed date, creditors are obliged to add a similar period at the end of the finance period without calculating any term cost or additional fees, with notification to the consumer through authenticated communication means.