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Changed my due date on AmEx cards & got 21 days added to cycle

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paulesport
Contributor

Changed my due date on AmEx cards & got 21 days added to cycle

Noticed something interesting. I like my payment due date on the 18th. When I got the AmEx Gold card 7/10, I asked to change my payment due at some point and my first statement closed 8/25 with a payment due 9/18 which is 2mos and 9 days (that's 71 days total). Same thing again when I got my AmEx Delta Reserve 8/2, my statement close and payment due date was originally 9/2 with payment due 9/27. I chatted with CSR some time after the 18th of this month to change the payment due date and now my first statement closes 9/23 (originally 9/2) with payment due 10/18 (originally 9/27) which is 2mos and 18 days (that's 78 days total). The original dates should have been about 57 days since I opened the card, but my Reserve card got an extra 21 days, or 3 weeks added to the cycle. Both times the CSR rep said the changes would take place for the next statement, so I assumed my original statement close and due dates would remain, but it did not. It's great because I'm able to spread out payments with some buffer but it was just interesting the way AmEx sets those due date changes. Curious if this is typical when you ask for a date change. 

personal
biz


Start 1/1/19
Best 11/15/21
Current rebuild



Message 1 of 7
6 REPLIES 6
K-in-Boston
Credit Mentor

Re: Changed my due date on AmEx cards & got 21 days added to cycle

It varies by lender, but this is typical with Amex.  (I've set the due date on most of my cards to the 27th so that they almost always close on the 2nd without the statement closing date jumping around)  They do limit how often you can change your due dates on each card, though.  I want to say it's once per year?

Message 2 of 7
paulesport
Contributor

Re: Changed my due date on AmEx cards & got 21 days added to cycle

I wouldn't be changing it again as it's now set to the date I want. But good to know a date change gets me 3 weeks on a newly opened card if I needed to strategically buffer a payment for a large ticket purchase in the future. 

personal
biz


Start 1/1/19
Best 11/15/21
Current rebuild



Message 3 of 7
nytokyobred79
Valued Contributor

Re: Changed my due date on AmEx cards & got 21 days added to cycle

I had a similar experience as yourself when I aligned my Delta Skymiles Reserve statement cut date with my Skymiles Platinum. It resulted in a similar experience as yours affording me a longer buffer for cycling payments, etc.  Am thinking to align my recently opened EDP with the 2 Skymiles cards. Just prefer keeping it simple on the due dates. Perhaps, it'll result in a similar thing like yours/ my previous statement date change requests. 

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $215,200 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $40.5K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $39.8K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
Message 4 of 7
DSTforlife
Regular Contributor

Re: Changed my due date on AmEx cards & got 21 days added to cycle

although not as drastic as yours, i changed my Amex Gold payment date from 28th of the month to the 1st (my statement close date was then 3rd).  the CSR told me the change would not take effect until after the current month statement closed on the original date.  the following month, my due date changed to 1st, and the statement date change to the 7th.  I got an extra few days on the new month statement cycle.  now it's on a normal 30 day cycle.

Message 5 of 7
paulesport
Contributor

Re: Changed my due date on AmEx cards & got 21 days added to cycle

My guess is I think it's because I requested the change after the date for the current month had passed. So if i asked to change it to the 18th but made the request after the 18th of the current month, they would have to extend from there. 🤷🏻‍♂️

personal
biz


Start 1/1/19
Best 11/15/21
Current rebuild



Message 6 of 7
MrT_521
Regular Contributor

Re: Changed my due date on AmEx cards & got 21 days added to cycle

The due dates on Amex cards are always 25 days after the statement date. Amex simply extended the billing cycle to conform to your request.

 

I don't see anything strange about your experience. It is exactly what I would have expected.

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FICO 8 Scores (as of Dec 14, 2022)


Message 7 of 7
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