topic Question about billing cycle start dates/changing due dates. in Credit Cards

Question about billing cycle start dates/changing due dates.

isoldmyatlas — Mon, 08 Oct 2012 23:10:00 GMT

This may be a silly question, so bear with me!

I apped and was approved for my Cap1 card on April 26th, which is when the billing cycle began for it, even though I didn't receive the card until a week later (I activated it that day). My statement cuts on the 24th of each month, and my due date with the card is always the 21st of the following month. I like it that way since my rent is due on the first of the month, so there are a few weeks between paying my rent and my statement cutting.

With my 3 card app spree a couple of days ago (Oct 6), I realize this means I'll have very different due dates with those cards, since I'm guessing the billing cycle started upon approval rather than when I receive and activate them.

I'd much rather have them fall in line with my Cap1 card. Will Discover, AMEX and Chase let me pick due dates when I activate the cards or will I have to wait to change them until after the first statements cut? Or even wait longer? Do any of you have experience with this?

Thanks everyone!

Re: Question about billing cycle start dates/changing due dates.

creditnocash — Mon, 08 Oct 2012 23:13:05 GMT

idk they never asked me but i think after a couple months you can just call in and ask them to switch the due dates.

ive been contemplating this.

i get paid weekly and was thinking just to leave everything in my checking and pay bills twice a month. right now with 10 accounts. 2 are on the first and the rest are all over the palce.

Re: Question about billing cycle start dates/changing due dates.

isoldmyatlas — Mon, 08 Oct 2012 23:16:42 GMT

Yeah, I like getting all of bills done in a 1 week period. My utility bills all come in within a couple days of my CC statement and it's great just getting everything out of the way within a matter of days!

Re: Question about billing cycle start dates/changing due dates.

isoldmyatlas — Tue, 09 Oct 2012 17:54:10 GMT

OK, my online accounts for both AMEX and Discover became available today. Amex says my billing period will close on the 24th so it looks like I won't need to change that one at all!

Anyone have any info on changing due dates with Discover or Chase?

Re: Question about billing cycle start dates/changing due dates.

Anonymous — Tue, 09 Oct 2012 19:16:47 GMT

I don't know about them specifically but I'm sure you could call and ask to have it creep up.

Its very doubtful they will let you extend it out to the date you want.

I.e. today is the 9th, lets say your due date was the 29th and you wanted it to be the 9th. I doubt they would let you go from now till Nov 9th with no payment due in between. However you might be able to say "i'd like a due date of the 10th" and they might move it up so you'd have a due date on the 29th of this month and then the due date of the 10th in Nov....if that makes any sense.

I know Cap 1 lets you change it, but it takes a couple billing cycles to go into effect and it has to come forward, not be pushed back.