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changing credit card due date - getting more time between payments (one time)
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johnqw
Posts: 10 Forumite

One of my issuers allows changing the payment due date (not the statement date) to values like "Nth of the month". I've read through the card's T&Cs and searched the web but could not find an answer to the following questions:
- What's the maximum number of days I can get between two consecutive payments by changing the due date, and how is it computed? Is it always at least 30 days? Is it max 56 days?
- Is there a known condition such as "if the new due date is less than 15 days later compared to current due date, then delay, else bring forward" .. or something?
- Does it depend on what date the due date is requested?
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Comments
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Basically, I'm trying to get as much extra time as possible between the next two payment dates (and not risk getting less than 30 days)0
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Makes sense for them to have 30 days as the maximum between payments and not the minimum, they might make an adjustment to reflect the shorter period0
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mjm3346 said:Makes sense for them to have 30 days as the maximum between payments and not the minimum, they might make an adjustment to reflect the shorter period0
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Not sure when the law changed but if it's a longer period between payments then the minimum payment should be higher to reflect the additional interest charge (if any)
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it used to be a maximum of 42 days between statements, then add the 14 days from statement date till payment due giving the 56 days total for payment date
may well have changed and be different between 1 lender to the next1 -
mjm3346 said:Not sure when the law changed but if it's a longer period between payments then the minimum payment should be higher to reflect the additional interest charge (if any)martinbainbridge1975 said:it used to be a maximum of 42 days between statements, then add the 14 days from statement date till payment due giving the 56 days total for payment date
may well have changed and be different between 1 lender to the next0
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