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When Does A Payment Due Date Change Take Effect?

Valued Contributor

When Does A Payment Due Date Change Take Effect?

Looking at moving a payment due date so it fits in with my monthly bills a little better. Does that take effect during the current statement if no balance is due or would it start during the next billing cycle?  If so, that one would be longer (like 6 weeks) because I don't believe it can be shorter than 30 days. 

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
Message 1 of 10
9 REPLIES
Valued Contributor

Re: When Does A Payment Due Date Change Take Effect?

generally after the current statement closes. so yes next billing cycle

CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Message 2 of 10
Valued Contributor

Re: When Does A Payment Due Date Change Take Effect?

Up to 2 billing cycles...depends when ur statement date is now and when ur changing it to Smiley Wink


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
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Message 3 of 10
Valued Contributor

Re: When Does A Payment Due Date Change Take Effect?

Current due date is the 25th and statement date is the 29th. Account has a zero balance. It's something that is used every other month for normal expenses. I bounce back and forth between that and another card for expenses, each gets paid off by the next due date so no interest. Would like to move the due date to the 11th/ closing on the 16th. Would fall into line if it starts as of the next billing cycle. 

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
Message 4 of 10
Valued Contributor

Re: When Does A Payment Due Date Change Take Effect?

honestly send them a secure message and ask. thats what i did when i changed my dates and they let me know. it will vary by issuer
CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Message 5 of 10
Senior Contributor

Re: When Does A Payment Due Date Change Take Effect?


Luscher wrote:
honestly send them a secure message and ask. thats what i did when i changed my dates and they let me know. it will vary by issuer

+1

 

Only your CC company can tell you for sure.  I would say contact them to find out when it becomes effective.

Message 6 of 10
Valued Contributor

Re: When Does A Payment Due Date Change Take Effect?

I just called and spoke with "Peggy". Here's how it works. My current statement has a due date of 8/25 and a closing date of 8/29. I currently have a $0.00 balance so if I change my due date now, it will take effect immediately. So if I change the due date to the 7th with a closing date of the 11th, the current statement will go longer and close Sept 11th.  If I had a balance, the current statement would close on 8/29 and the next statement would be the one that goes long. 

 

 

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
Message 7 of 10
Valued Contributor

Re: When Does A Payment Due Date Change Take Effect?

Most payment due date changes take affect in the next billing cycle. After that, you can only change the due date every 12 months. I just changed the due date on my GE card from the 3rd to the 14th. So this month, I have to pay it on the 3rd and next month it will be due on the 14th Smiley Happy

As of 2017, rebuilding...
Message 8 of 10
Valued Contributor

Re: When Does A Payment Due Date Change Take Effect?

For your GE card, did you have to give them a call or do it on their website? I think I looked for that on the site before but didn't see it. 

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
Message 9 of 10
Valued Contributor

Re: When Does A Payment Due Date Change Take Effect?


masscredit wrote:

For your GE card, did you have to give them a call or do it on their website? I think I looked for that on the site before but didn't see it. 


I looked for it on the site too but never noticed that feature either. I had to call in and give them my info. They asked what date I wanted. They said it was unavailable and selected a later date. I agreed and the CSR processed the request. Call took literally 5 minutes. It was for my Living Spaces card Smiley Happy

As of 2017, rebuilding...
Message 10 of 10