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I was talking to a co-worker last week and he mentioned that he would always have his credit card payments on the 20th, 21st, and 22nd of each month in the same area.
I just recently changed mines to the 21st of each month. How do you manage your payments?
I never thought about it, I have never moved my payment date from what was given to me so mine are all scattered throughout the month.
I've moved all of mine to the 16th of the month to align with my pay cycle and budget management.
@CollegeStudent530 wrote:When are your payment due dates?
All over the place.
@CollegeStudent530 wrote:How do you manage your payments?
Depends on a number of factors. I either pay on due date or prior to. Never needed to adjust due dates.
With about 7 cards I use mint reminder system to check before my paydays. But for the most part I make two payment a months on the 1st and 15th on card that I''m carrying a balance on. But when all my balance are down to 0 i would more then to the middle of the month.
Mine are all over the place. I've changed a couple of due dates to align with my pay dates, but in general, I just keep a list of what needs to be paid (credit cards & otherwise) and make sure they're paid on time. It works when I'm only using a few cards, but in the past, when I've used too many, I made late payments. I make sure I confine my usage to a few select cards to avoid this....
All are either at the beginning of the month or the middle of the month. This works because every time I get paid and am planning on putting money in different bank accounts, I also pay my bills. It also helps to precisly control reported utilization, if I need to, by letting me switch to cards that aren't reporting right away if I want to let the others that I just paid on the due date report a specific balance (such as $0).
@CreditScholar wrote:
All of mine are on the 1st.
Same here. This guy knows how it's done.