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Possible to change statement closing date with AMEX, Chase, or Discover?

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yapsalot
Regular Contributor

Possible to change statement closing date with AMEX, Chase, or Discover?

Does anyone know if it's possible to change the statement closing date of AMEX, Chase or Discover? I have three Amex cards, one Chase card and one Discover card. All of them have the closing dates bunched up within a week. If I could change the closing dates, I could get it where I could make charges and not have to pay for a month or so on a rolling basis. Thanks!

Yapsalot
Message 1 of 7
6 REPLIES 6
RonM21
Valued Contributor

Re: Possible to change statement closing date with AMEX, Chase, or Discover?

I'm pretty sure all 3 allow you to do this. Some lenders may say you can change the due date instead, but that ultimately effects the cycle end date. What I do is call and ask, then when they tell me what dates are available and I choose one, I ask them to tell me what both dates would be.


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 2 of 7
Credit_hawk
Established Contributor

Re: Possible to change statement closing date with AMEX, Chase, or Discover?

I'm nearly positive you can with the Chase & Discover card.

FICO- Experian: 797, TransUnion: 781, Equifax: 804 (Updated Monthly)
Message 3 of 7
Anonymous
Not applicable

Re: Possible to change statement closing date with AMEX, Chase, or Discover?

Yes, you can.  Just call and speak with them and it will be arranged.

Message 4 of 7
yapsalot
Regular Contributor

Re: Possible to change statement closing date with AMEX, Chase, or Discover?

Yes, I called AMEX, Bank of America and Chase and they all readily changed the statement dates. Didn't need to change Discover. I have six credit cards. I set it up so that I have one credit card statement closing every five days. So now my statement cut dates are the 1, 5, 10, 15, 20, and 25 of each month. I pay the cards in full every month. Now I can use the card with the payment date that is the farthest out in order to get almost 2 months to pay for any purchase without paying interest.

Yapsalot
Message 5 of 7
Anonymous
Not applicable

Re: Possible to change statement closing date with AMEX, Chase, or Discover?


@yapsalot wrote:

Yes, I called AMEX, Bank of America and Chase and they all readily changed the statement dates. Didn't need to change Discover. I have six credit cards. I set it up so that I have one credit card statement closing every five days. So now my statement cut dates are the 1, 5, 10, 15, 20, and 25 of each month. I pay the cards in full every month. Now I can use the card with the payment date that is the farthest out in order to get almost 2 months to pay for any purchase without paying interest.


Good job and thanks fo reporting back.

Message 6 of 7
Anonymous
Not applicable

Re: Possible to change statement closing date with AMEX, Chase, or Discover?

Yes.  And I feel like there was a post sometime ago, as a result of changing a statement/due date this person ended up with a little extra time to pay for that months charges.  I don't think it always works out that way though lol.

Message 7 of 7
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