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Can You Change the Billing Date on Your Credit Card?

Credit Card Basics, Credit Cards
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Payment calendar

There might be a few adventurous souls who enjoy tracking multiple payment due dates. For the rest of us, it may be possible to move our bill payment due dates to coincide with payday. Here’s why you may want to consider this option and how to change your payment dates.

Why would you want to change your billing date?

It might make sense to change your billing date to line up with your payday(s) for a couple of reasons:

  • You can get all bill money out of your account so you won’t spend it on anything else.
  • You won’t have to track multiple due dates if everything is due on one or two days of the month.

This is great for the über organized, the hopelessly disorganized and everyone in between, because it imposes a straightforward system for bill paying.

The potential downside could be for those with irregular income and paydays. For instance, a freelancer might expect to get paid on the last day of the month, but her client is a few days late with payment. Without a buffer, the freelancer may have to pay bills late, possibly hurting her credit and causing her to incur late fees.

» MORE: When is the best time to pay my credit card bill?

If changing due dates is right for you, how should you break up the bills?

You’ll want to keep your bill payments in line with your paydays, probably once or twice a month. List out all of your current bills and break them up by nearest due date. The fewer due dates, the better — it will be more organized and easier to track.

Make sure your paycheck will be able to cover the bills due during your designated due dates as well as all of your other expenses — food, fuel, entertainment, etc. This system is meant to help you get organized, not to keep you from eating.

How do you change your due dates?

So you want to batch bill payments on your paydays. There are a couple of ways you can change the dates.

  • Some companies will allow you to choose a due date from your online account. Login and see if this is an option. If not …
  • Call the companies up individually and ask for a date change. Many creditors — while not required to accommodate your request — are willing to change your due date if you ask.

There are a few bills with due dates you may not be able to change. Rent, for instance, will probably always be due on the 1st of the month. However, if you get paid on the 10th and 25th of each month, you can make your rent payment early on the 25th. You can do the same with any other bills that can’t be changed. But whatever you do — pay early, not late.

Now automate it!

If you aren’t already automating your bills, it might be something you want to look into. Automatic bill pay makes things simpler because after you set it, you don’t have to actively pay your bills anymore.

Make sure your income is stable enough that you know the funds will be available on your due dates. Regular overdrafting of your account could hurt your credit score and cost you a lot of money in fees.

Bottom line: Changing your bill due dates to coincide with payday(s) can help you get organized and spend less time paying bills each month. If your income is stable enough to accommodate paying all of your bills on the same day or couple of days, call up your creditors and ask them to change the dates. Then, automate them for easy, hands-off bill paying.

Bill calendar image via Shutterstock