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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.
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!
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.
You can change your payment due date once every three billing cycles.
You can choose a range of dates, from the beginning t0 the end of the month, for your credit card bill.
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.
Due date changes with Capital One can take up to two billing cycles to take effect.
(If you have a screenshot of this process, feel free to let us know. Thanks!)
You’ll have a range of dates to choose from, from the beginning, middle, and end of the month.
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.
(If you have a screenshot of this process, feel free to let us know. Thanks!)
You won’t be able to change your credit card payment due date to a weekend.
You can change your payment due date once every 12 months. The change will take effect for your next billing cycle.
Changing your due date with Synchrony credit cards.
Thanks to a kind reader for the Synchrony instructions and screenshot.
You can change your payment due date either online or by calling USAA’s customer support.
Thanks to a kind reader for the USAA instructions and screenshot.
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.
You can change your Wells Fargo credit card due date online, or by calling customer support at 1-877-805-7744. Due date changes with Wells Fargo may take up to two billing cycles to take effect.
These instructions may not be totally accurate, but the process should be something like this.
(If you have a screenshot of this process, feel free to let us know if you’re so inclined. Thanks!)
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