Thinking of changing ALL my due dates...

[Jansroom726]

I'm thinking of changing all my due dates across all 12 cards to the 1st of the month to keep things simple.

Do you foresee any type of issue with this? Any benefit for all my cards having random due dates, as opposed to all being due around the same date?

Thanks all

[kdm31091]

Don't see any issue as long as you want to pay them all at the same time. The creditors don't really care, as long as they get paid. That's why they offer the change date feature.

[Anonymous]

I spread mine out and that allows me to have an available card should I not want to use one between due date and new billing cycle date...but I would do what works best for your situation.

[CreditCuriosity]

Have all mine on the 1st through the 7th of the month as I get paid once a month on the last day of the month.. Just makes life alot easier.

[Anonymous]

I am changing all my cards to the same date too, or withen a couple of days anyway as some do not let me choose the exact date I want, but I will be on one day or the next day day on them all now.  For me it will be easier to manage which card I want to report a balance on in a given month if they are all close together.

[dapps06]

I have all of my cards setup to be due the 2nd of every month, the final card that wasn't due on the 2nd was my Amazon store card and I just changed that this morning. Having them all due on the same day is the way to go IMO.

[Anonymous]

I have mine so all the statements close on the 1st.

[Anonymous]

I have yet to see a significant score improvement from always regularly/intentionally paying cards off early before a balance reports.  Sometimes I do pay specific items immediately depending on what it is. But generally speaking, half the time I wait. Maybe it doesn't impact me as much because I do a mixture of immediate payment/post statement payment. Or because I have added several new accounts in the last 6 months.

What is the point in calling 11 banks to change due dates? Why not just look at your month of current dates, 1st-31st and just pay them around the end of the month? You may have a card or two that would require you to delay the payment by a few days to avoid a future late payment.  But yeah... I guess 12 cards is a lot ot deal with...

[Revelate]

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@Anonymous wrote:

I spread mine out and that allows me to have an available card should I not want to use one between due date and new billing cycle date...but I would do what works best for your situation.

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This actually is a somewhat important point for the few times in one's life that one needs to be zealously managing one's credit profile.

I have all cards except one with a due date on the 9th; the problem is, I wound up having to do awkward things with SDing cards temporarily to make sure that I didn't let one slip which would've truly sucked if I lost 3 points on my TU 04 score during the mortgage process.

I like having everything setup like that, but I think I will put my new CSP outside the rest of them as well as paired with Sallie I'm pretty good for spend coverage especially with Chase's handy report $0 when paid benefit if I do have an awkward charge that happens within the few days leading up to the primary due / statement date on the assumption that at some point I will have to micromanage my balances again.  

TBH Autopay really takes care of most of it if I were to screw up anyway.

[takeshi74]

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@Jansroom726 wrote:

I'm thinking of changing all my due dates across all 12 cards to the 1st of the month to keep things simple.

Do you foresee any type of issue with this? Any benefit for all my cards having random due dates, as opposed to all being due around the same date?

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It's all up to you.  The dates really don't matter for me.  Whatever is coming due is paid on my pay days.  You might want to consider the impact of having statement dates all falling around the same time and not just the due dates.

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@Anonymous wrote:

I have yet to see a significant score improvement from always regularly/intentionally paying cards off early before a balance reports.

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Impact will depend on the impact to your revolving utilization. How much of a change to your utilization did it make when you were monitoring and how were you monitoring your scores -- and which scores)?