How To: Change Your Bill Due Dates

Step 1: Understand Your Pay Schedule

Before you can align your credit card payments with your pay schedule, you need to have a clear understanding of when you get paid. Whether it's weekly, bi-weekly, or monthly, knowing the exact dates of your income is essential.

Step 2: Review Your Current Bill Due Dates

Next, you should examine your existing bill due dates, from credit cards, rent, to utilities. Check when each statement closes and when the payment due date falls. Note any inconsistencies that don't match your pay schedule.

Step 3: Contact Your Credit Card Companies

Once you have identified discrepancies, it's time to contact your providers - call the customer service numbers on the back of your card, in their apps, or on their website (and if you want a representative, just keep hitting 0 - life hack). You might be thinking to yourself, will they really care or actually change it? Well, most credit card companies will totally do this, even if they don’t have to. And some utility companies are even required to do this by law!

Here are some examples…

Credit cards

• American Express allows you to change your due date online inside your desktop portal. Go to “Payments” and then “Change Monthly Payment Due Date”. However, they only let you do this every 3 billing cycles.
• Capital One allows you to change your due date inside the desktop portal by clicking “Services” and then “Change Payment Due Date”.
• For Chase, it’s a bit more complicated. Go to your credit card section and click the “More” button, then “Update Settings and Preferences”, and then “Payment Due Date”. If you can’t find it, we’d recommend calling customer support to change your due date. One caveat - if you’re in default, you cannot change your due date
• Bank of America: you’ll have to call them directly to change the due date.
• Wells Fargo: try calling customer support for these guys. Otherwise, go to “Manage Card” and “Credit Card Service Center”. There should be an option there to change the date.
• CreditOne: you can change the due date by calling customer support, but it must be within 6 days of the original due date. You can also change it online
• Citi: from your desktop, go to “Profile”, “More settings”, and then “Manage Payment Due Date”. From there you can choose a new date, and can only do this every 90 days.

Phone Bills

• Verizon: To change your ongoing monthly payment due date, call Customer Service or dial *611 from your mobile phone. Keep in mind: changes can't be made while the current bill is processing.
• T-Mobile: You can only request a due date change once during the lifetime of your account. Your payments need to be on time for the last 6 months to be eligible, and if you have any speciality discounts (military, companies, government agency), you will lose them.
• AT&T: You’ll need to call customer service, and can only change the due date if you’re not delinquent and as long as the current bill is not already processing.

Step 4: Negotiate New Due Dates

When speaking with your credit card company, be polite and clear about your request. Explain your pay schedule and why changing the due date would be beneficial for you. They may ask for proof of your pay schedule, such as a pay stub or direct deposit information.

Step 5: Keep a Record of Changes

Once your credit card companies agree to change your due dates, make sure to document the details. Write down the new due dates for each card and set reminders to ensure you never miss a payment during the transition. Note: the new due date may take 1 or 2 billing cycles to fully update, so until the date is official, continue making payments on its current due date. In addition, some charges may be prorated, so don’t be surprised if one bill is a lot larger or smaller than before.

Step 6: Set Up Automatic Payments (Optional)

To further streamline your financial management, consider setting up automatic payments for your credit cards. This way, you won't have to worry about manually making payments each month, reducing the risk of late payments.

Step 7: Monitor Your Accounts

Even after making the changes, it's important to stay vigilant. Regularly review your credit card statements and your bank account to ensure that payments are being processed correctly and that your budget remains on track.

The Bottom Line

Aligning your credit card payments with your pay schedule is a smart financial move that can help you avoid late fees and interest charges. By following the steps outlined in this guide, you can successfully make this adjustment and enjoy greater financial peace of mind. Remember that good financial habits and regular monitoring of your accounts are key to maintaining your financial health.

For more money hacks and mindset tips, make sure to download the Debbie app!

What’s Debbie?

Debbie is where you start your journey to debt freedom. It’s the program that guides, motivates, and rewards you for paying off debt! Debbie users have paid off 3x more debt than the average borrower, as well as saved around $100/month on average. Do you want to be part of this elite crowd? 👀 Join now at joindebbie.com to start earning cash-back rewards now!

‍