Changing due dates..

[Anonymous]

So I have a question. I have a few cards that are literally around the same date that they are due and when they post. They are more towards the beginning of the month. Numerous times, I always see myself wanting to buy things later in the month and I say to myself, that I wish I had one more towards the end of the month that posts s I have more time to pay it off

I would like to change either my Dis, or my Amex. 

I am curious how this works though with reporting to the CB's. So right now they both have balances, but payments have been made for the month so far. If I move the due dates later in the month, how will this report to the CB's? And will it go into effect this statement, or the following.

My main concern is the CB's randomly thinking I missed a payment or I was late cause its later then usual. 

Thanks

[HeavenOhio]

It's going to vary from bank to bank. I changed due dates on Chase and Capital One cards. Chase changed immediately. Captital One took a couple of months for the changes to trickle in.

In both cases, reporting was predictable, i.e. they reported on or just after the statement date. When the new due dates and statement dates kicked in, the dates of reporting changed. Again, this could vary from bank to bank.

[SouthJamaica]

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@Anonymous wrote:

So I have a question. I have a few cards that are literally around the same date that they are due and when they post. They are more towards the beginning of the month. Numerous times, I always see myself wanting to buy things later in the month and I say to myself, that I wish I had one more towards the end of the month that posts s I have more time to pay it off

I would like to change either my Dis, or my Amex. 

I am curious how this works though with reporting to the CB's. So right now they both have balances, but payments have been made for the month so far. If I move the due dates later in the month, how will this report to the CB's? And will it go into effect this statement, or the following.

My main concern is the CB's randomly thinking I missed a payment or I was late cause its later then usual. 

Thanks

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Most  institutions let you easily change due date/statement date. Credit bureau will not think twice about it.

[Anonymous]

I think some banks will even allow you to make the request via their online banking platform or through the chat portal. If I'm not mistaken, this is the case with both Amex and Discover. I had to call BoA to request it (and, given my motivation for doing so, was dissapointed to learn that it would take one or two billing cycles to take effect).  

[CreditRebuilder2020]

I actually just changed my due date with Amex because my pay structure changed at work on when we get paid. Literally did it through the chat feature in my Amex account online.

It's essentially one extra long statement, My due date was the 22nd and I had everything paid off on the 7th of June. They extended my due date to the 28th, with the statement cutting on the 3rd the next month. 

From what I can tell, it has no effect on the CB's. Just a date change that's all. Amex, per usual, was very accommodating to the move. Really helped me out. 

[Anonymous]

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@CreditRebuilder2020 wrote:

My pay structure changed at work on when we get paid. 

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I am recently having the same issue, about to change Employers. And the pay weekly, where my old Employer payed bi-weekly. So I had all my pay dates structured accordingly. Too early to change yet, but I'm probably gonna have to do it eventually to streamline it more.

OP, it should be very easy to do online these days in account settings page.