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Credit Card Q&A: Can I Change the Due Date on My Credit Card Statement?

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Credit Question: Can I change the due date on my credit card statement?

Answer: I hear this question a lot. And I love hearing it because it shows that consumers are thinking about what actions they can take to make their credit lives better. While there isn’t a hard-and-fast rule about this among credit card issuers, it’s often one of those things that’s negotiable if you just ask. And it’s a simple change that can really improve your cash flow during the month.

Here’s what you need to do: Call your credit card issuer and speak with a customer service representative. Simply ask if you can change the due date to a day of the month that works better for you and your finances.

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Now, some issuers might be agreeable from the start and change your due date. But some will offer resistance. If this happens, be specific with the customer representative about why you want to make the change. For example, let’s say you get paid on the 15th of the month, but your due date is the 10th of the month. Explain that changing the due date to the 20th ensures that you’ll be able to make your credit card payments on time. It may look like credit card issuers delight when they can charge you a late fee, but it’s really in their best interest to have a cardholder who can make timely payments.

But if you still get resistance, ask to speak to a supervisor. Be pleasantly persistent. If you’re unsuccessful, though, remember you can always take your business to a card issuer that will work with you on due dates.

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