Bet You Didn’t Know: How To Change Credit Card Due Dates Online at Each Bank

By Julian, author of Devil’s Advocate

 

Most people’s lives are hectic enough without having to remember what day the credit card bill is due. For credit card churners who might be juggling 5 or 6 active cards in their wallet at any given time (along with another 10-20 cards in the sock drawer), it’s an even harder task to keep track of all those due dates across multiple cards and financial institutions.

credit card due dates

While setting up automatic payments can certainly help, it’s not always feasible to know ahead of time where your next payment will be coming from, especially if you’re a manufactured spender with funds moving in and out of constantly changing accounts. So the easiest way to make sure you always know your credit card due dates is simple: just have one due date.

Since almost every credit card company allows you to pick a specific due date, if you set every card in your inventory to an identical due date of your choosing, you’ll never forget when the next payment is due.

The online option.

One way of going about this is to pick up the phone, call every bank you have a credit card with, and get some poor agent to go through each of your cards and reset the due date. Yes, agents get paid to take care of tedious tasks like this, though I doubt your call would be the highlight of their day.

But as I’ve written before, I am not a fan of talking to people on the phone, especially customer service representatives. And since many major banks have implemented the ability to change the due date of your credit cards right on their websites, I decided to put together a guide demonstrating precisely how to make due date changes online for each bank.

Note there are a few banks listed below which do not currently offer the ability to change your due date online. I’m listing them anyway so I can update this guide as things change in the future, as I have with my past guides on getting your application status online and the 24-hour cancellation policies for award tickets. In the meantime, for banks still living in the 20th century you can do things the old fashioned way and call the number on the back of your card.

Also, keep in mind that almost every bank has a limit on how often you can change your due date. Usually it’s one change every 90 days or 3 billing cycles, so you’ll want to be sure you’re picking a date that works for you (and a date that is available at every bank) before you commit to it.

American Express

www.americanexpress.com

For some reason Amex seems to be going out of their way to make their due date change link less than obvious. But it’s there. Click the “Payments” tab from the menu on the home page and you’ll see it hiding in the lower right corner.

credit card due dates

If you don’t see the option to “Change Monthly Payment Due Date” it may be because you haven’t set up a bank to make online payments. You don’t actually have to make a payment, but you do need to have some sort of payment source attached to the account for the option to change due dates to appear.

Once you’ve clicked on the link, you’ll get a screen showing your current due date and a drop down menu allowing you to select a new one, along with guidelines for changing your date. Not every date will be available as an option due to internal Amex protocols, but you should be able to choose from most dates.

credit card due dates

Bank of America

Unfortunately Bank of America does not currently offer the ability to adjust credit card due dates online, but you can still make changes by calling them.

Barclaycard

www.barclaycardus.com

Once you’ve chosen an account to work with on the home page, you’ll find the option to change due dates under the “Services” tab.

credit card due dates

Scroll down a bit on the following page and you’ll see the link to “Change payment due date” which will lead you to a drop down menu with choices for alternate due dates, along with guidelines for changing your date.. Not every single date will be available as an option due to internal Barclaycard protocols, but you should be able to choose from most dates.

credit card due dates

Capital One

www.capitalone.com

You’ll find the option to change your due date under the Capital One “Services” tab, which will lead you to a link that allows you to “Change Payment Due Date.”

credit card due dates

(Thanks to reader John S. for the screen capture!)

Chase

www.chase.com

On the main Chase accounts page you’ll need to choose which account you’d like to change by clicking on the appropriate account number. From there, along with your account details you’ll find a list of choices on the right side of the screen, one of which is “Change bill due date.”

credit card due dates

Clicking on that link will bring you to a drop down menu allowing you to choose any date between the 1st and 28th of the month, along with guidelines for changing your date.

credit card due dates

Citibank

www.citicards.com

It’s not necessary to choose an account first with Citibank, as all Citibank due dates are handled on the same screen. You’ll find it by clicking on the “Account Management” tab at the top of the main page.

credit card due dates

From the next screen you’ll pick which card you want to change by selecting it from the drop down menu under the “Change Payment Due Date” heading.

credit card due dates

Once you’ve chosen the card, you can pick a new due date from the drop down menu with choices for alternate due dates, along with guidelines for changing your date. Not every single date will be available as an option due to internal Citibank protocols, but you should be able to choose from most dates.

credit card due dates

Discover

www.discover.com

Since you can only have one Discover card tied to each User ID and password, there’s no need to choose an account. Simply log into whichever Discover account you want to change and pick “Change Payment Due Date” from the top “Activity & Payments” menu.

credit card due dates

From there Discover will offer you a handy dandy calendar with options for new due dates, along with guidelines for changing your date. Not every single date will be available as an option due to internal Discover protocols, but you should be able to choose from most dates.

credit card due dates

Fidelity/FIA

Unfortunately Fidelity/FIA does not currently offer the ability to adjust credit card due dates online, but you can still make changes by calling them.

TD Bank

Unfortunately TD Bank does not currently offer the ability to adjust credit card due dates online, but you can still make changes by calling them.

U.S. Bank

Unfortunately U.S. Bank does not currently offer the ability to adjust credit card due dates online, but you can still make changes by calling them.

Wells Fargo

www.wellsfargo.com

Once you’ve logged into the Wells Fargo website, click on the “Manage your money” heading and you’ll find a link to “Change your payment due date.”

(As I currently do not have any Wells Fargo cards, I don’t have any screenshots of this process. But if any Frequent Miler readers would like to provide a few images I’ll be happy to add them and give you a hat tip!)

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About Devils Advocate

The Devil's Advocate learned the ins and outs of travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment (and yes, of course it’s all real). He now splits his time between New York and Los Angeles and loathes New York winters only slightly less than Los Angeles traffic.

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Comments

  1. Thanks for this post! It was super helpful; actually went and changed the due dates on 9 of my cards. Will make it easier to pay off everything.

  2. Can this be used to accelerate payment of an offer bonus or do you have to wait till the following bill statement to take affect?

    • Usually when you change the due date, it causes the current billing cycle to be extended in order to meet the new closing date. So in a bonus offer situation, it would likely cause the bonus to be paid later instead of accelerating it.

  3. Useful! Especially for Amex! Never knew I could do this for Amex.

    Assuming changing due date also changes statement close date like other banks, what is the due date that makes statement close closest to the 1st of each month? Thanks!

    • It depends on the issuer, but if you figure most banks have a closing date around 4-5 days after the due date, a due date around the 26th or 27th of the month would get you pretty close. But check your current closing date and due date to figure the spread between them, then backtrack that number of days from the 1st of the month to set up your new due date.

  4. When I look on Amex, it does not show up as an option to change the date. I have 3 different cards with them (SPG, Hilton, Blue) and have been a customer for years. I searched the site and it says some customers are not eligible. I wonder why?

    • I don’t have the option for Amex either despite being a customer for over 15 years. Not a big deal, but it is strange and a little annoying.

  5. It would also be cool to know like how long each bank allows you to change the due date. I sometimes change the due date a bit earlier in order to get the bonus sooner. I found that Chase only allow you to change the due date once every 180 days. Amex and Discover seems not having these restrictions (correct me if I’m wrong). Although for Discover the change takes effect only for next billing cycle.

  6. I know someone mentioned the statement closing date, but for those of us that pay on or before the closing date, does changing the due date actually change the statement closing date?

  7. I’ve never been able to link my citi cards under one login. Every time I try, I get a message telling me that these accounts cannot be linked. It’s extremely frustrating to have to log in 5 times to see all my accounts. Fortunately, all 9 of my chase accounts show up beautifully on one page. I got my 6 amex accounts down to 2 logins, but can’t quite get them onto one. Barclay was easy-peasy as they default to one login per customer, not per card.
    Sigh. Come on, Citi, get with the program.

  8. Hello, if you change due dates for boa cards does it mean your reward post date will change with the due date? I want to receive my points faster idk if it will work. Any DP?

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