topic Re: Capital One Due Date Change in Credit Cards

Capital One Due Date Change

Anonymous — Thu, 18 Jun 2015 23:31:37 GMT

I did a request to change my due date on my QS card so the close date will be the 2nd and due 27th of each month. Right now due date is on 7th and closes the 10th.

I did an online chat with "Marcus" and he confused the heck out of me. I requested the change on 6/8, currently have a $0 balance, and wanted to know when this would take place. He took my question as being that I wanted to close my QS account. He then talked in circles about having to carry a balance in order for the change to be made. I was like WHAT?? at both things he said. He then told me the change is in process and would go through, so I said ok good I don't like to carry a balance and like to PIF. He then said again I have to carry a balance. I said thanks for your time and ended the chat.

Can someone clarify for me what the heck is going on or ever encountered such nonsense? Will it be changed with a $0 balance?

Re: Capital One Due Date Change

Anonymous — Thu, 18 Jun 2015 23:39:32 GMT

It should...a statement will generate regardless if you PIF or carry the balance. Perhaps a chat with a different rep?

Re: Capital One Due Date Change

Anonymous — Thu, 18 Jun 2015 23:42:05 GMT

@MstrPTato wrote:
It should...a statement will generate regardless if you PIF or carry the balance. Perhaps a chat with a different rep?

That's what I thought also. I told the rep thanks and ended the chat and gave him very low marks. I said in my remarks that he talked in circles and did not understand what I was asking. I was stunned and alarmed when he was confirming I wanted to cancel my QS card!!

Re: Capital One Due Date Change

Anonymous — Thu, 18 Jun 2015 23:42:56 GMT

Maybe even a phone call. Did you confirm he didn't close the account?

Re: Capital One Due Date Change

Anonymous — Thu, 18 Jun 2015 23:50:53 GMT

@MstrPTato wrote:
Maybe even a phone call. Did you confirm he didn't close the account?

I think it was loud and clear that the account was not to be closed

Re: Capital One Due Date Change

Anonymous — Fri, 19 Jun 2015 00:09:29 GMT

I changed my due date myself on one of the card services tabs. No need to chat. It did take two cycles to change though, and it warns you of such.

Re: Capital One Due Date Change

Anonymous — Fri, 19 Jun 2015 00:12:16 GMT

@Anonymous wrote:
I changed my due date myself on one of the card services tabs. No need to chat. It did take two cycles to change though, and it warns you of such.

I did change it through the services tab like I mentioned in the original post on the 11th. I was just checking for an update on the status in Live chat. In my job I'm on the phone all day and the last thing I want to do at night is talk to people.

Re: Capital One Due Date Change

axlm — Fri, 19 Jun 2015 00:14:39 GMT

@Anonymous wrote:
I changed my due date myself on one of the card services tabs. No need to chat. It did take two cycles to change though, and it warns you of such.

^this

Re: Capital One Due Date Change

taxi818 — Fri, 19 Jun 2015 00:30:39 GMT

Not understanding why you are going thru chat to do something you can do yourself. just log in and change the date. right from your online account. it actually takes up to 2 statements before the changes are in effect. im sure it will not go faster using chat. ive changed all my cap 1 due dates so they can reflect on the exact same day. good luck anyway.

Re: Capital One Due Date Change

Anonymous — Fri, 19 Jun 2015 00:59:21 GMT

@taxi818 wrote:
Not understanding why you are going thru chat to do something you can do yourself. just log in and change the date. right from your online account. it actually takes up to 2 statements before the changes are in effect. im sure it will not go faster using chat. ive changed all my cap 1 due dates so they can reflect on the exact same day. good luck anyway.

Let me clarify my original post: I did not go through chat to request the change tonight. I did it through the tab on June 11th. I simply was looking for an update to my close date request tonight. I did not see any secure messages, so I decided to hit chat tonight, a week later, to see if they could confirm my request was in process.

I would never request a change in my due dates simply via Chat. I didn't feel like getting on the phone and talk to someone to check the status, so I hit the chat button. All I was looking for in here is if I had to carry a balance like the guy in chat said before it could process.

Sorry I didn't make my first message more clear.

Re: Capital One Due Date Change

axlm — Fri, 19 Jun 2015 03:11:00 GMT

My card do have a balance (0% apr period) while going thru the due date change process, nowhere I've seen anything stating you need to, nor it seems logical to ask for it.

I would say that CSR was having a really hard time understanding you (or their products, for that matter).

But I did push an additional payment, even without statment, just to be on the safe side

Re: Capital One Due Date Change

Anonymous — Fri, 19 Jun 2015 03:23:21 GMT

@axlm wrote:
My card do have a balance (0% apr period) while going thru the due date change process, nowhere I've seen anything stating you need to, nor it seems logical to ask for it.
I would say that CSR was having a really hard time understanding you (or their products, for that matter).

But I did push an additional payment, even without statment, just to be on the safe side

Ok thanks. That is another reason I like to live chat these people, they can't hardly understand my English, and I can barely understand them, so I'd think less would get lost in translation by typing in chat.

I appreciate you clarifying and adding too. I really had plans to let QS sit until the due date change is complete and then use it heavily for a month in the CC rotation I set up.

Re: Capital One Due Date Change

dmFICO8 — Fri, 19 Jun 2015 03:55:41 GMT

Your next statement will be closed on 7/2/15, due date will be 7/27/15, don't need additional payment as long you already paid before the 6/7 due date (May 10 statement).

Re: Capital One Due Date Change

Anonymous — Fri, 19 Jun 2015 10:58:57 GMT

@dmFICO8 wrote:
Your next statement will be closed on 7/2/15, due date will be 7/27/15, don't need additional payment as long you already paid before the 6/7 due date (May 10 statement).

Ok thanks!

Re: Capital One Due Date Change

Anonymous — Fri, 19 Jun 2015 18:30:25 GMT

@Vulcan1600 wrote:
@dmFICO8 wrote:
Your next statement will be closed on 7/2/15, due date will be 7/27/15, don't need additional payment as long you already paid before the 6/7 due date (May 10 statement).
Ok thanks!

That doesn't look right. As others have said and Cap One tells you when you request it, it takes two statements to take effect.

If you only requested it this month, then you won't see the change for a couple of statements. Then, you'll have a near 2 month gap between statements, before the new due date takes over. You don't need to make a payment in the gap period (where the due date changes), because there isn't one due. Take the extra month of interest-free.

I don't remember when I requested my Cap One due date changed, but I looked at the dates my auto payments went through. My payments were due on the 6th, which I changed to the 2nd. I had auto payments on Feb 6, March 6, then May 2. I paid nothing in April because that's when the due date was in the process of switching.

Yours might not skip an entire calendar month since you changed your due date from the 7th forward to the 27th, whereas mine was from the 6th back to the 2nd.

Re: Capital One Due Date Change

Anonymous — Sun, 21 Jun 2015 01:52:10 GMT

@Anonymous wrote:
@Vulcan1600 wrote:
@dmFICO8 wrote:
Your next statement will be closed on 7/2/15, due date will be 7/27/15, don't need additional payment as long you already paid before the 6/7 due date (May 10 statement).
Ok thanks!
That doesn't look right. As others have said and Cap One tells you when you request it, it takes two statements to take effect.

If you only requested it this month, then you won't see the change for a couple of statements. Then, you'll have a near 2 month gap between statements, before the new due date takes over. You don't need to make a payment in the gap period (where the due date changes), because there isn't one due. Take the extra month of interest-free.

I don't remember when I requested my Cap One due date changed, but I looked at the dates my auto payments went through. My payments were due on the 6th, which I changed to the 2nd. I had auto payments on Feb 6, March 6, then May 2. I paid nothing in April because that's when the due date was in the process of switching.

Yours might not skip an entire calendar month since you changed your due date from the 7th forward to the 27th, whereas mine was from the 6th back to the 2nd.

I agree with you. 7/2 seemed too quick. My guess was also 8/2 and due 8/27 like you are saying.