Did you know that you can change the payment due dates on your credit cards?
Being able to pick your own due dates gives you more control. It can make paying off your credit cards a bit easier and more convenient.
Most of the major credit card issuers will let you do this, and it’s usually easy to do online.
You may have one of these reasons to change your due date:
- To sync up your due date with your other bills for convenience: It can be easier to deal with multiple bills if they are all due at the same time each month.
- To separate your due date from your other bills: On the other hand, if all your bills arrive at once, it could be overwhelming. This may tempt you to only pay the minimum amount for your credit card. Separating the due dates may make budgeting easier and encourage you to pay more.
- To align with your pay day: If you’re waiting on a paycheck to pay your credit card bill, you may want to move the due date back so you have the funds ready and waiting in your bank account.
- To be sure you never make a late payment: You can move your due dates back to give yourself a bit more time to pay. Late payments will have a very negative effect on your credit scores.
Changing your due date is a pretty simple process. Just find your card issuer below and follow the instructions. You may need to set up a payment method before you can choose a due date.
Your minimum payment will now be due on the new date. We recommend paying your balance in full each billing period, rather than just the minimum amount required. This will help your credit scores by keeping your credit utilization down. It will also let you avoid interest charges on purchases.
There are occasionally some restrictions. Some issuers may only allow you to change your due date once every three billing cycles, or every 90 days.
You’ll also only be able to select due dates from the 1st and the 28th of the month, because those are the days that all months have in common. Certain issuers may have other restrictions on some dates, like no due dates on weekends.
If you don’t see an option to change your due date online, that doesn’t mean you’re stuck with the one you have. You may be able to change your due date by calling your card issuer and asking.
Your Card Issuer Doesn’t Have to Agree
Many card issuers honor requests to move due dates for customers. However, federal law doesn’t require card issuers to move payment due dates simply because you ask.
The CARD Act, passed in 2009, only requires card issuers to keep your due date on the same date each month — either your original due date or your new one if a card issuer honors your request for a change.
If your due date falls on a weekend or holiday, the same federal law says that payments made the following business day must be accepted without any additional late fees.
Still, it often makes sense for a card issuer to move your payment due date when you ask and many of them are willing to say yes. After all, your card issuer wants you to make your payments as agreed. Moving payment due dates to help you stay on time is arguably both a smart business move and good customer service.
We’ve rounded up instructions for changing due dates at several major financial institutions. Keep in mind that credit card companies update their websites regularly so these instructions could vary slightly, but should be close to what you find there.
You can change your payment due date once every three billing cycles.
- Log in, and then click “Payments” near the top.
- Click the “Change Monthly Payment Due Date” link near the bottom of the page.
You can choose a range of dates, from the beginning t0 the end of the month, for your credit card bill.
- Log in, and click the “Services” button near the top.
- Click the “Change payment due date” link in the drop-down menu.
- On the next screen, click the “Change payment due date” link.
Bank of America
You can’t currently request a new due date online for Bank of America credit cards. But you can call customer service to request a new date.
Just call the number on the back of your card or visit the Bank of America website.
Due date changes with Capital One can take up to two billing cycles to take effect.
- Log in, and click the “Services” button near the top of the page. (Or go to their website.)
- Click the “Change Payment Due Date” button.
- Log in, and click the “Things you can do” button at the top of the page.
- Click the “Update settings & preferences” button.
- From the drop-down menu, click the “Payment due date” button.
The due date choices are in ranges from the beginning, middle, and end of the month.
- Log in, and click the account menu icon at the top right.
- Click “Settings.”
- Click the “Manage Payment Due Date” link on the Settings screen.
You can change the due date of Credit One (not to be confused with Capital One) cards by calling customer service and requesting a new date. You must wait until after the first billing period. The new due date must be within six days of the original date, before or after. New payment due dates can be chosen once every six months.
- Log in and click the “Settings” link in the menu or at the top of the page.
- Click the “Payment Due Date” link.
You won’t be able to change your credit card payment due date to a weekend.
- Log in and click the “Activity & Payments” button at the top.
- Click the “Change Payment Due Date” link in the drop-down menu.
You can change your payment due date once every 12 months. The change will take effect for your next billing cycle.
- Log in and select “Chat Now! Available” on any page, or from the “Contact Us” page.
- Click “Change my Due Date.”
- Follow the prompts.
You can change your payment due date either online or by calling USAA’s customer support.
- Log in and select the credit card account you’d like to change.
- Scroll to the bottom of the page and select “Account Services.”
- In the Services column, select “View/Change Due Date.”
Call U.S. Bank’s customer support to change your payment due date. You can’t do it online. The change will take effect with the next billing cycle.
You can change your Wells Fargo credit card due date online, or by calling customer support. Due date changes with Wells Fargo may take up to two billing cycles to take effect.
- Log in and select the “Accounts” option.
- Click “Manage Card” and then click “Credit Card Service Center.”
- Select the appropriate card account.
- Click “Change Your Payment Due Date.”
The Short Version
- Being able to pick your own due dates gives you more control. It can make paying off your credit cards a bit easier and more convenient
- There are occasionally some restrictions. Some issuers may only allow you to change your due date once every three billing cycles, or every 90 days
- Many card issuers honor requests to move due dates for customers. However, federal law doesn’t require card issuers to move payment due dates