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Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. SHARE: Anchiy/Getty Images October 26, 2021 Checkmark Bankrate logo How is this page expert verified? At Bankrate, we take the accuracy of our content seriously. "Expert verified" means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Their reviews hold us accountable for publishing high-quality and trustworthy content. Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more. Mariah Ackary is a personal finance editor who joined the Bankrate team in 2019, excited by the opportunity to help people make good financial decisions. Send your questions to Poonkulali Thangavelu is a senior writer and columnist at CreditCards.com and Bankrate, addressing debt and credit card-related legal and regulatory issues. Bankrate logo The Bankrate promise
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Simply knowing it’s possible to change your credit card’s due date is only half the battle. You also need to figure out when your ideal due date might be. Before you can decide, you need to understand . Credit cards tend to offer billing cycles of 20 to 45 days, but they usually fall around 30 days. The catch is these cycles can begin and end any time of the month, which is why your due date could ultimately be the 1st, 13th or 29th, depending on your card. Your credit card due date will occur after your billing cycle ends, and the time between your statement closing date and your due date is your . Thanks to the , credit card issuers must give cardholders this 21-day period to pay their credit card bill once their monthly statement closes. However, you should also note that you don’t always get a grace period. Not only do some credit cards not offer one, but you’ll give up your grace period on funds you take out when you use your credit card for a cash advance. When you should pay your credit card bill
Scheduling your credit card bill largely depends on the timeline of your other bills. If most of your bills are due at the beginning of the month, it might make sense to move your credit card due dates to the end so you’ll have more spending money. On the other hand, if most of your bills are due in the middle of the month, a credit card due date near the beginning of the month may work better. Ideally, you’ll want to aim for the time of the month when you have the most disposable income. That way, you’ll be in a better position to pay your bills and avoid both late fees and the potential for a penalty APR. Sit down with your checkbook, bills and monthly budget for a quick analysis. Work out when you normally get paid, how much you normally take home and when most of your bills are due. Once you take this step, the best time to pay your credit card bill should become obvious. How to change your due date
Fortunately, changing your due date should be easy, since all you have to do is call the customer service number on your credit card bill and ask. Keep in mind that some credit card issuers will be more open and accommodating than others. , , Barclays, , , and are likely to change your due date upon request, but they may follow a specific set of rules. For example, you should only be able to change your due date if your account is currently in good standing. You also may not be able to change your due date until your account has been in existence for a few months. Further, even though this might seem like a smart idea, you will also be out of luck if you try to change your due date after your bill payment is already late. What if you can t change your due date
If your issuer denies your request for a due date change, consider shifting your payment habits anyway. Remember: The due date is a deadline. There’s nothing that prevents you from paying your statement balance before then. Your statement will arrive at least three weeks before your due date, so consider paying your bill immediately upon receiving the statement. That way, if your credit card due date is near other due dates, you give yourself more buffer time (and potentially another paycheck) in between bills. You can also turn to the bills (like utilities or phone bills) that are conflicting with your credit card payment. You can request a different due date or change your payment habits to find a balance that works for you. The bottom line
While you can’t always change the due dates on bills like rent, your mortgage or your car payment, credit card issuers tend to offer more flexibility. That’s why it always makes sense to call and inquire about a different due date that would work better for your budget. SHARE: Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more. Mariah Ackary is a personal finance editor who joined the Bankrate team in 2019, excited by the opportunity to help people make good financial decisions. Send your questions to Poonkulali Thangavelu is a senior writer and columnist at CreditCards.com and Bankrate, addressing debt and credit card-related legal and regulatory issues. Related Articles