How To Change Payment Due Date On Bank Of America Credit Card

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Have you ever found yourself juggling multiple bill due dates, feeling like your financial life is a complicated dance of deadlines? Or perhaps your payday recently shifted, and now your credit card payment is due just before your salary hits your account, causing unnecessary stress? If you're a Bank of America credit card holder, you'll be glad to know that you can often adjust your payment due date to better suit your financial rhythm!

Changing your credit card due date can be a game-changer for your financial organization and peace of mind. It allows you to align your bills with your paychecks, avoid late fees, and manage your cash flow more effectively. While Bank of America doesn't currently offer an online option to directly change your due date, it's a straightforward process that usually involves a quick phone call.

Let's dive into a comprehensive, step-by-step guide on how to change your Bank of America credit card payment due date, along with important considerations and frequently asked questions.


The Power of a Harmonized Payment Schedule

Before we get into the "how-to," let's briefly touch upon why changing your due date can be so beneficial. Imagine a world where your credit card payment is due a few days after your paycheck arrives. No more scrambling, no more worries about overdrafts, and a much clearer picture of your monthly budget. This simple adjustment can significantly reduce financial stress and help you maintain a positive payment history, which is crucial for your credit score.


Step 1: Are You Ready to Take Control of Your Due Dates?

The first step in this process is to mentally prepare to take control of your financial calendar! Shifting your due date requires a bit of planning and a phone call, but the payoff in terms of financial peace is well worth it.

Before you even pick up the phone, consider these key questions:

  • What new due date would work best for you? Think about your payday schedule and other recurring bills. Do you want all your bills due at the beginning, middle, or end of the month? Federal law generally restricts due dates to between the 1st and the 28th of the month, as not all months have a 29th, 30th, or 31st.
  • Have you recently changed your due date? Credit card issuers, including Bank of America, typically have policies limiting how frequently you can change your due date (e.g., once every three billing cycles or every six months). If you've made a recent change, you might need to wait a bit.
  • Is your account in good standing? Generally, issuers prefer to grant due date changes to accounts that are current and in good standing. If you have a history of late payments, your request might be more challenging.

Once you have a new preferred date in mind and have considered the above, you're ready to proceed!


Step 2: Gather Your Account Information

To ensure a smooth and efficient call with Bank of America, have the following information readily available:

  • Your Bank of America Credit Card: You'll need your full credit card number and potentially the security code (CVV).
  • Your Account Information: Be ready to provide your name, address, and potentially the last four digits of your Social Security Number for verification purposes.
  • Your Desired New Due Date: Clearly state the specific date of the month you'd like your payment to be due.

Having this information at hand will help the customer service representative assist you quickly and accurately.


Step 3: Contact Bank of America Customer Service

This is the primary method for changing your Bank of America credit card due date. Unlike some other issuers, Bank of America currently does not provide an online portal to make this change directly.

Sub-heading 3.1: Find the Right Number

  • On the Back of Your Card: The easiest way to find the correct customer service number for your specific credit card is to look on the back of your physical card.
  • Bank of America Website: Alternatively, you can visit the "Contact Us" section on the official Bank of America website and navigate to the credit card customer service numbers. For consumer cards, the general number is often 800.732.9194. For business cards, it's typically 888.306.4949.

Sub-heading 3.2: Make the Call

  1. Dial the Number: Call the appropriate customer service number.
  2. Navigate the Automated System: Listen carefully to the automated prompts. You'll likely need to select options related to "credit card services," "account management," or "payment inquiries."
  3. Speak to a Representative: Your goal is to speak with a live customer service representative. Be patient, as hold times can vary.
  4. State Your Request Clearly: Once connected, politely state that you would like to change your credit card payment due date. For example: "Hello, I'd like to request a change to my credit card payment due date. I'd prefer it to be on the [Your Desired Day, e.g., 15th] of each month."
  5. Provide Verification: The representative will ask for your account information to verify your identity. Provide the details you gathered in Step 2.
  6. Confirm the New Date: The representative will let you know if your request can be accommodated. They will confirm the new due date and explain when it will take effect.

Sub-heading 3.3: Important Considerations During the Call

  • Grace Period: Understand that changing your due date will also shift your billing cycle. This means your next statement might cover a longer or shorter period than usual, and your first payment on the new due date might reflect this adjusted cycle.
  • Existing Balance: Your current balance and any payments already due on the old due date will still need to be paid as scheduled. The new due date will apply to future billing cycles. The representative will clarify this.
  • Automatic Payments: If you have automatic payments set up, you will need to update them to reflect the new due date. Failure to do so could result in a missed payment and potential late fees. Ask the representative for guidance on how to adjust your automatic payments.
  • Confirmation: Ask the representative for a confirmation number or for them to send you an email confirmation of the change for your records.

Step 4: Confirm the Change and Update Autopay

After your call, it's crucial to follow up to ensure the change has been successfully implemented and to adjust any recurring payments.

Sub-heading 4.1: Monitor Your Account

  • Online Banking: Log in to your Bank of America online banking account after a few business days. Check your credit card account details to see if the new due date is reflected.
  • Statements: Keep an eye on your next credit card statement. It should clearly show your new payment due date.

Sub-heading 4.2: Adjust Automatic Payments (Crucial!)

This step is critical to avoid late payments!

  • Bank of America Bill Pay: If you have automatic payments set up through Bank of America's Bill Pay service to pay your Bank of America credit card, log in and modify the scheduled payment to align with your new due date.
  • External Bank Bill Pay: If you pay your Bank of America credit card from a checking account at another financial institution using their bill pay service, you must log in to that bank's online platform and update the recurring payment.
  • Third-Party Payment Services: If you use any third-party payment services, remember to update the due date there as well.

Do not assume your automatic payment will automatically adjust to the new date. Proactively making this change will save you from potential headaches and fees.


Benefits of a Customized Due Date

  • Improved Cash Flow Management: Align your due date with your pay cycle to ensure you always have funds available for your payment.
  • Reduced Stress: No more last-minute scrambles or worries about missing a payment.
  • Avoid Late Fees: By creating a payment schedule that works for you, you significantly decrease the risk of incurring costly late fees.
  • Positive Payment History: Consistent on-time payments contribute positively to your credit score, which is a significant benefit.
  • Better Budgeting: A predictable payment schedule makes it easier to create and stick to a monthly budget.

Things to Keep in Mind

  • Not Always Instant: The due date change may not be immediate. It often takes effect with your next billing cycle after the request is processed. The customer service representative will provide you with the exact timeframe.
  • Impact on Grace Period: Your grace period (the time between your statement closing date and your payment due date when no interest is charged on new purchases if you pay your statement balance in full) will shift with your new due date.
  • Frequency Limits: As mentioned, most issuers have limits on how often you can change your due date. Use this option strategically.
  • No Changes on 29th, 30th, or 31st: Due to varying days in a month, you typically cannot select a due date on these specific days. Dates between the 1st and the 28th are usually available.

10 Related FAQ Questions

How to check my current Bank of America credit card due date?

You can check your current due date by logging into your Bank of America online banking account, reviewing your monthly credit card statement (paper or e-statement), or by calling customer service.

How to know if I'm eligible to change my Bank of America credit card due date?

Generally, if your account is in good standing and you haven't recently changed your due date (typically within the last 3-6 billing cycles), you should be eligible. The best way to confirm is to call Bank of America customer service.

How to change my Bank of America credit card due date online?

Currently, Bank of America does not offer an online option to directly change your credit card due date. You will need to contact their customer service by phone.

How to contact Bank of America customer service to change my due date?

You can find the customer service number on the back of your credit card or by visiting the "Contact Us" section on the Bank of America website. The general number for consumer credit cards is often 800.732.9194.

How to ensure my automatic payments are updated after changing my due date?

If you have automatic payments set up, you must manually update them after changing your due date. Log into your Bank of America Bill Pay or the online banking platform of your external bank (if paying from another institution) and adjust the payment schedule to match your new due date.

How to find out if there are any fees for changing my credit card due date with Bank of America?

There are typically no fees associated with changing your credit card payment due date with Bank of America. This is a common customer service request.

How to know when my new due date will take effect?

The customer service representative will inform you during the call when your new due date will become effective, usually with your next full billing cycle. Always confirm this timeframe.

How to select the best new due date for my credit card?

Consider your payday schedule and the due dates of your other major bills. Aim for a date that falls a few days after your primary income arrives, allowing you to comfortably cover your payment.

How to avoid a late payment if my due date changes mid-cycle?

If you change your due date close to your original due date, you may still be required to make a payment on the old due date for the current billing cycle. Always confirm the exact transition with the representative to avoid missing a payment.

How to handle multiple Bank of America credit cards if I want to change all their due dates?

You will likely need to request a due date change for each individual Bank of America credit card separately. While on the phone, you can ask the representative if they can process changes for multiple cards at once, but be prepared to address each account individually.

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