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The Perks of Changing Your Credit Card Due Date

Spread out payments or align bills with payday.

Morgan Sliff
Contributing Writer at Tally
Updated: March 30, 2020

You may be under the impression that your credit card due date is set in stone. Well, in most cases, it’s actually written in pencil. As it turns out, due dates for credit card payments are pretty flexible.

Wondering why you’d want to change your due date in the first place? The short answer is, some people prefer that all their bills be due on the same day. Others like having their due dates spread out evenly.

Whatever the case, it could be in your best interest to change your credit card due date so that it aligns with your needs and your schedule.

What’s a credit card due date?

A credit card due date is the specific date when you must pay at least the minimum payment for a billing cycle. Your billing cycle usually ranges from 27 to 31 days, depending on the card issuer.

Once the billing cycle ends, your due date for that period typically arrives 21 to 25 days after the cycle closes. The law says your credit card due date has to fall on the same day every month.

Can I change my credit card’s due date?

Most credit card companies will let you change your due dates, but the date depends entirely on the company.

Changing your due date doesn’t mean you get to skip a payment, but there are other benefits that can arise out of this small change. Here are ways you can change a credit card due date:

  • Online/mobile app: Some companies allow changeovers online web browsers. Others let you do it on mobile apps.
  • Phone: A quick call to your card issuer’s customer service line can quickly change a billing date.

Most card companies won’t let you change your due date to the 29th, 30th or 31st because not all months have these dates.

Consistently making on-time payments is the biggest factor weighing into your credit score. If forgetfulness is more your struggle, consider shifting your credit card bill payments to land on the same day.

In some cases, your billing date can’t be changed at all. If you can’t change your due date, there are some other options for you.

When it makes sense to change your credit card due date

There’s a few possible strategies when it comes to changing your credit card due date. Everyone has different needs, so do what works for you. Here are a few scenarios:

Coincide with payday

Some people run into trouble because they don’t pay enough attention to their spending habits. If this rings true for you, it may be in your best interest to make your bills coincide with payday.

One issue here is that some organizations pay their employees bi-weekly. But if you have a fixed pay date — say, the 1st and 15th—you can schedule your credit card billing due dates to coincide perfectly with a nice influx of funds. This way, you can get the responsibilities out of the way first and save any superfluous spending for last.

Consolidate payments

Consistently making on-time payments is the biggest factor weighing into your credit score. If forgetfulness is more your struggle, consider shifting your credit card bill payments to land on the same day (and close to other large payment dates, such as rent, mortgage, or car payments).

By doing this, you only have to remember one date, and you can get every payment made at once. But there’s one obvious downside: If you forget your payment date, that could also mean a lot of late payments all at once!

As an extra precaution, set reminders all over your phone and house. Your credit score will thank you later.

Spread out payments

Maybe you’re one of the lucky ones with the memory of an elephant and prime organization skills, but not a ton of money to go around when bills come knocking. In this case, it may be inconvenient for you and your wallet if all your bills to fall on the same date.

If this reflects your situation, it may be best to spread your payments week to week so that you have an even payment schedule. This billing scenario may also work best for freelancers and gig workers, who don’t have salaried hours or specific paydays and rely on variable income.

Avoid big recurring bills

If you have a car payment, mortgage or other large installment payment every month, it may be in your best interest to move your credit card payments as far away from those big payments as possible. An assortment of large bills all at once can be stressful and overwhelming. And even if your credit card payment is small, it can make the difference in leaving your funds bone dry.

If you pay rent on the 1st and your car payment on the 2nd, schedule your credit card payments to land on the 16th. This way, they’re right in the middle of your two biggest installment payments, giving you a bit of breathing room.

What to do if you can’t change your due date

If your credit card company doesn’t allow you to change your due date, you still have other options. You just have to take matters into your own hands.

Let’s say you get paid on the 1st and 15th and you have multiple bills due on the first of the month: rent, car payment and credit cards. Instead of making a payment for a credit card bill that’s inconveniently due on the 1st, pay for your bill ahead of time — ideally, as soon as you get paid on the 15th. 

And if you don’t get paid on the 15th, you can set a fixed date in your calendar that works best for you. That way, you have enough time that your payments at the beginning of the month are more manageable.

Just remember not to pay too early. If you do, your payment could end up in the wrong billing cycle (and with a missed payment). Carefully review your billing cycle and due date and determine when it makes sense to make your payment and that you’re doing so in the proper time frame.

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