How To Change Your Credit Card Due Date

Brendan Harkness

Brendan Harkness

Updated Sep 18, 2019

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

Why You Should Change Your Credit Card Due Date

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.

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 all arrive 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.

If you change your due date, the change may not take effect immediately for the current month. You will often still need to make a payment on your previous due date, before the change goes into effect. Take note of any messages you get after you make the change, and check your new payment due date to make sure it was updated.

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.

If this page doesn’t answer your questions, or if you have some information or images for a card issuer we don’t have listed here, feel free to contact us to let us know! You can do that by clicking the Ask button at the top-right of the page.

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. Additionally, 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.

American Express

You can change your payment due date once every three billing cycles.

  1. Log in, and then click “Payments” near the top.
  2. Click the “Change Monthly Payment Due Date” link near the bottom of the page.
Changing the due date of American Express cards.

Changing the due date of American Express cards.

Barclays/Barclaycard

You can choose a range of dates, from the beginning t0 the end of the month, for your credit card bill.

  1. Log in, and click the “Services” button near the top.
  2. Click the “Change payment due date” link in the drop-down menu.
  3. On the next screen, click the “Change payment due date” link.
Changing the due date of Barclays credit cards: Step 1.

Changing the due date of Barclays credit cards: Step 1.

Changing the due date of Barclays credit cards: Step 2.

Changing the due date of Barclays credit cards: Step 2.

Bank of America

You cannot 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 see our listing of Bank of America phone numbers.

Capital One

Due date changes with Capital One can take up to two billing cycles to take effect.

  1. Log in, and click the “Services” button near the top of the page. (Or follow this link to their website)
  2. Click the “Change Payment Due Date” button.

(If you have a screenshot of this process, feel free to let us know with the Ask button at the top. Thanks!)

Chase

  1. Log in, and click the “Things you can do” button at the top of the page.
  2. Click the “Update settings & preferences” button.
  3. From the drop-down menu, click the “Payment due date” button.
Changing the due date of Chase credit cards.

Changing the due date of Chase credit cards.

A warning about changing due dates with Chase.

A warning about changing due dates with Chase.

Citi/Citibank

You’ll have a range of dates to choose from, from the beginning, middle, and end of the month.

  1. Log in, and click the account menu icon at the top right.
  2. Click “Settings.”
  3. Click the “Manage Payment Due Date” link on the Settings screen.
Changing the due date of Citi credit cards.

Changing the due date of Citi credit cards.

Credit One

You can change the due date of Credit 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.

  1. Log in, and click the “Settings” link in the menu or at the top of the page.
  2. Click the “Payment Due Date” link.

(If you have a screenshot of this process, feel free to let us know with the Ask button at the top. Thanks!)

Discover

You won’t be able to change your credit card payment due date to a weekend.

  1. Log in, and click the “Activity & Payments” button at the top.
  2. Click the “Change Payment Due Date” link in the drop-down menu.

USAA

You can change your payment due date either online or by calling USAA’s customer support.

  1. Log in and select the “Services” option in the “Account Services” area.
  2. Select “View/Change Due Date.”

(If you have a screenshot of this process, feel free to let us know with the Ask button at the top. Thanks!)

U.S. Bank

You need to 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.

Wells Fargo

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.

  1. Log in and select the “Accounts” option.
  2. Click “Manage Card” and then click “Credit Card Service Center.”
  3. Select the appropriate card account.
  4. Click “Change Your Payment Due Date.”

(If you have a screenshot of this process, feel free to let us know with the Ask button at the top. Thanks!)

Was this helpful?

The Insider

Abigail Welles
How to Protect Yourself From Credit Card Fraud: Scams, Skimmers, and Phishing
Abigail Welles | Sep 20, 2019

Do you know what a credit card skimmer is? You may have swiped your card through one without even knowing, leaving your information in the hands of a thief.

Read More
Jacob Lunduski
2019 Survey: 40% of Retail Store Credit Cardholders Regret Applying
Jacob Lunduski | Sep 19, 2019

Do you have a retail store credit card? Is it useful, or do you get hit with interest and fees? Learn why so many people regret getting store cards here.

Read More
Abigail Welles
What Is a Data Breach and What Should I Do If I Am a Victim of One?
Abigail Welles | Sep 17, 2019

Data breaches are more common than ever, exposing the confidential information of millions of Americans each year. Have you been involved in a breach?

Read More