Your auto debit transaction could be in pending state because -
- It is a bank’s holiday, these could be Sunday, second Saturday of the month or festivals.
- Your bank is taking time to process the transaction.
Don’t worry your auto debit transaction would be processed on the next working day, no penalty would be charged in this case. In case you don't have a sufficient balance in your account you can pay through the App. In case there is a delay from the bank's end (because of a holiday etc.) you wouldn't be charged late fees and your credit score will not be impacted.