@K-in-Boston can explain it better, but your due date is 25 days from statement close date. That day will change depending on how many days are in a month.
I wouldn't consider that as the due date sliding, it's the due date accelerated. Semantics.
Most all of my cards are on autopay, and with the 5 AMEX cards I have, I have noted their preference to have the payment due date be as quick as about 15 days after statement date. You can select other dates further out for the autopay timing, but then it gets questionable how long should I wait to pay something I will pay anyhow.
For those accounts not on autopay, I set up the payment from the CCC side, based on their calendar telling me when that payment is due, or on a pattern of Day Of The Month which is well within the typical due date ( verifing the stmt due date is after that ) . Said differently, waiting until one thinks the payment might be due to try to pay three days prior to that invites problems.
I would double-check your statements to ensure that your due dates actually changed. I have never seen nor heard of Amex changing due dates (except by customer request), particularly as of 2009 as it is a violation of The CARD Act.
SEC. 106. RULES REGARDING PERIODIC STATEMENTS.
(a) IN GENERAL.—Section 127 of the Truth in Lending Act
(15 U.S.C. 1637) is amended by adding at the end the following:
‘‘(o) DUE DATES FOR CREDIT CARD ACCOUNTS.— ‘‘(1) IN GENERAL.—The payment due date for a credit card
account under an open end consumer credit plan shall be the same day each month.
Amex due dates are always on the same day of the month. Statement closing dates can and will change depending on the length of the month and whether the statement closing falls on a Saturday, but will always be at least 25 days prior to the due date. Setting your due date to the 27th or 28th, will always ensure that your statement closes on the 2nd or 3rd (one day earlier if the 2nd (if 27th chosen) or 3rd (if 28th chosen) is on a Saturday).
I’ve never experienced changing due dates either on any of my revolving American Express cards. All of them have had their same due dates for years, even the business cards which aren’t bound by the same requirements. I believe my Zync card was the only one to have its due date changed when AmEx replaced the flexible “Please Pay By” date with a firm due date for the charge cards several years ago, but even it has had the same due date since.
The only cards I have with varying due dates are from other banks, such as my GS Apple card and Barclays Aviator Business card, for different reasons.
