One of the basic steps to building a good credit history is by paying your balance in full when due. Your credit card balance is supposed to be paid off on a particular day every month, this is your bill due date. Anything after that date is late and can incur a late fee depending on the severity. Hence, it’s very important to keep tabs on your credit card bill due date.
Three Ways to Figure Out Your Credit Card Bill Due Date
- The best way to find out your credit card bill due date is to read your credit card billing statement. Information about your credit card payment, including the. Minimum payment amount and the due date. Will appear at the top of your statement and on the coupon that you include with your mailed credit card payment.
- If you’ve created an online account to access. Your credit card account, you can also check your due date by logging in to verify the. Next payment due date. Once you’ve logged on, you can schedule a payment for the. Future so an immediate payment will be applied to your account right away.
- Your third option is to call the customer service number on the. Back of your credit card to confirm your due date. Your credit card issuer’s. Automated menu may have an option to give your due date without you having to. Speak to a representative. Similar to checking your due date online, you may have the. Option to schedule or make a payment by phone using your checking account and routing number.
Cut-Off Time
In general, your payment must be made by 5 p.m. on the due date to be considered on time. Some credit card issuers may still consider your payment on time if it’s made by phone or internet after 5 p.m. on the due date, but the exact cutoff time varies by the credit card issuer. Check with your credit card issuer for the exact cut-off time.
Online payments can sometimes be made one day in. Advance (and possibly even on the due date up until the minute before the cutoff time), depending on processing times. This helps if you know you’ll be busy on your bill’s due. Date or if it falls on a weekend.
Checks and money orders should be mailed several days in. Advance so they arrive and can be processed before the cutoff time. You could be charged a late fee if your credit card issuer receives your. Payment after the due date, even if you mailed it before the due date.
Paying Before the Due Date
You don’t have to wait until the due date to make your payment. In fact, you should make your credit card payment before the due date so you have time to confirm your payment has posted to your account. If there’s an issue with your credit card payment, you’ll have time to make it up and avoid late payment penalties.
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