Reply
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Can you have a due date after the 28th of the month?

I have a couple cards with due dates of the 28th of the month.  I would love to push these back to the 30th so I could better work out my payments (I get paid bi-monthly on 15th and 30th).  I know I could just push these to 1st of month and would accomplish the same thing but it got me to thinking.  Can you have a due date between 29th and 30th of the month?  If so, what happens in months that dont have 29 or 30 days?



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
0

Re: Can you have a due date after the 28th of the month?

The due date on my Zync is the last day of the month (28th, 30th, or 31st) - I have no clue how it happened but it did.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Valued Contributor
Posts: 2,708
Registered: ‎10-16-2008
0

Re: Can you have a due date after the 28th of the month?

Just ask for a change in the statement date.  That'll automatically change your due date to one where you don't have to run to the bank and hope that  the check clears in time to make the payment.

 

You didn't say which cards, so this response is somewhat generic.

 

In a month that doesn't have your due date in it (such as the 29th), the due date is pushed back to the following month by a day or two.  Count 25 days from the statement date to get the due date for personal cards.  For business cards, it's usually 20 days.

 

Hope this helps!  Smiley Happy

 

 

Uborrow-Upay

 

 

 

 

 

 

Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Can you have a due date after the 28th of the month?

Thanks.  It was my Walmart Discover card.  The old due date was the 21st of each month with the statement being cut on the 28th.  I just had it changed.  My new due date is the 25th of each month and the statement cuts on the 2nd!  This is much better.

 

So did this push back my 4th statement CLI?  It looks like I'll not have an October statement and I would had been eligible for 4th statement increase in December.  Should I still try for December CLI?  I'm thinking of requesting CLI on the 20th of December.  (side question - are GE cards more likely to give or not to give CLI in the holiday season???)



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
Posts: 2,708
Registered: ‎10-16-2008
0

Re: Can you have a due date after the 28th of the month?

[ Edited ]

IMHO, slow the f down!

 

You worry too much.

 

You'll get what you get in due time, please don't try to rush it.  And if it makes me nervous, it'll sure as heck make the creditor nervous as well.

 

I have no clue how the Walmart Discover card works.  I do know that the regular Discover accounts do like spending, and offer increases based upon spending and payment patterns.  In my experience, x4 for CL in under a year, and then some thereafter.  Well into 5 figures now.

 

That's the best I can do on this one, Duncanrr.

 

Wish I could help more.

 

All the best,

 

 

Uborrow-Upay

 

 

***See what my advice is worth, I had to edit to spell my own screen name correctly!!!

 

Go figure that one out.***  Smiley Happy

 

 

Highlighted
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Can you have a due date after the 28th of the month?


Uborrow-Upay wrote:

IMHO, slow the f down!

 

You worry too much.

 

You'll get what you get in due time, please don't try to rush it.  And if it makes me nervous, it'll sure as heck make the creditor nervous as well.

 

I have no clue how the Walmart Discover card works.  I do know that the regular Discover accounts do like spending, and offer increases based upon spending and payment patterns.  In my experience, x4 for CL in under a year, and then some thereafter.  Well into 5 figures now.

 

That's the best I can do on this one, Duncanrr.

 

Wish I could help more.

 

All the best,

 

 

Uborrow-Upay

 

 

***See what my advice is worth, I had to edit to spell my own screen name correctly!!!

 

Go figure that one out.***  Smiley Happy

 

 


I hear ya.  I guess I'm overcompensating for the long period of time where I didnt worry enough about my credit score.  Ive been in turbo mode with my rebuild and I have seen tremendous success.  Raised each CR score up a minimum of 110 points in 3 months.  Ive aded 2 AMEX card 2 Chase cards and a Walmart Discover.  I'll be joining NFCU soon and will have some nice CL with their products.

I guess Im worried that if I slow down then I'll fall back into old lazy patterns in regards to my CR's.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.