Which Credit Card Issuers Let You Change Your Statement Closing Date?

Update 09/16/18: Apparently if you call in to Chase they will also report your balance off cycle to credit bureaus within 48 hours. You need to call the credit bureau department (or call the number on the back of your card and ask to be transferred over). Hat tip to reader Help Me Build Credit.

There are two main reasons why somebody might want to change their statement closing date: they want their credit utilization to be updated sooner/later than normal (read this post to see when a credit card issuer will update your credit usage) or they want points/miles earned to post sooner or later. For example if you’re going for the Southwest companion pass you might want to change your statement closing date so that points post in a new calendar year.

Usually changing your statement date will also cause your due date to change as well. Some people also like to have their due date sync up with when they are paid so they can pay off their credit card debt immediately.

American Express

Allows you to change your statement closing date simply by calling or via chat. In the past this meant that a new card needed to be issued as one of the numbers in your card was tied to what cycle you were in, but this is no longer the case.

You cannot change your statement date if you’re already more than 30 days past due.

Bank of America

Changing your statement closing date with Bank of America is easy, just call the number on the back of your card to request the change.

Barclaycard

It’s possible to change your statement closing date, just call the number on the back of your card.

Capital One

You can change your statement date by calling, but you cannot change your statement date if you’re already more than 30 days past due.

Chase

Chase generally requires your account to be in good standing (e.g not past due) to be able to change your statement date, but in some cases they’ll make exceptions with those who are struggling.

Update: Apparently if you call in to Chase they will also report your balance off cycle to credit bureaus within 48 hours. You need to call the credit bureau department (or call the number on the back of your card and ask to be transferred over).

Citi

It’s possible to change your statement date with Citi by calling in and asking. For some reason there is sometimes a delay in when this actually takes effect and they can only extend the statement date rather than reduce it. For example, if your current statement closing date is January 10th and you want that changed to the 7th they would only be able to change it to February the 7th. You cannot change your statement date if you’re already more than 30 days past due

Discover

Discover lets you change your payment due date online (note: this is not your statement closing date that is used for reporting credit utilization to the credit bureaus). You can also request that your statement closing date is changed, but you’ll need to call in directly to do so. There are a couple of rules for both changes:

  • Cannot change it more than once every 90 days
  • Cannot change it in your first or anniversary months
  • You account must be in good standing for this option to be available

US Bank

US Bank also lets you change your payment due date by calling in. Remember that US Bank reports your credit utilization on the last/1st of each month, unlike using the statement balance like other card issuers.

Wells Fargo

It’s possible to change your statement closing date by calling.

Final Thoughts

Sorry this post isn’t more exciting, I was expecting there to be some differences between each card issuer but it looks like you can do it with any card issuer just by asking. If you have any ideas for similar posts where I look at different rules for each card issuer, just let me know what they are in the comments or by contacting me.

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Aaron L
Aaron L (@guest_1288950)
November 25, 2021 11:06

I’d like some Southwest points from credit card spending to post as early as possible in January, for companion pass qualification. Right now my closing date is the 24th of the month, and the next closing date is Dec 24. If I change it to, say, the 2nd, will it cut a statement on Jan 2, or extend the Dec 24 – Jan 24 statement period so it closes in February (NOT what I want)?

I have a large bill due on December 10, so ideally I would like to have a statement period that begins before that date and closes after the new year.

Zalc
Zalc (@guest_1320154)
January 23, 2022 13:30

Hey Aron, what did it end up doing?

anita
anita (@guest_1091177)
November 14, 2020 15:46

If my current stmt says annual fee posts on Dec stmt, can I simply change my due date and push it out to late Dec – and then before late Jan do a downgrade or cancel? Ie does changing the due date actually change the annual fee posting date?

Kevin
Kevin (@guest_687902)
December 9, 2018 12:31

For Barclays, does anyone know how soon the change would take effect? I called the number on the back of the card last week, and was told it could take 1-2 statements for this to change. I was hoping this would take effect immediately (or for the next statement), so the signup bonus would post sooner. The specific cards here are Jet Blue Plus and Jet Blue Business. Thanks.

HarryTheFirstHarry
HarryTheFirstHarry (@guest_760269)
May 16, 2019 22:37

Do you know the answer to the question you asked now? Because I am in the same situation and would like to know for Barclay Arrival Plus.
For me its more about getting my full CL back at the earliest so I can spend more to reach the bonus target. I know one option is to pay off the balance before statement closing, but I am not sure if that will erase the points earned on the spend that is already on the card. Anyone know the answer to this?

HarryTheFirstHarry
HarryTheFirstHarry (@guest_761709)
May 21, 2019 23:11

DP 1: it has not yet changed. I requested the change 2 days before the day I wanted the statement but it has not happened this month. While it said it was approved, it did not close on the requested day which came and went. Lets see if it will happen next month.

Xylo
Xylo (@guest_643592)
September 17, 2018 14:36

Citi can be changed online as well. FYI Synchrony cards can be reported off cycle (I did a live chat to do this).

Elmer
Elmer (@guest_644477)
September 19, 2018 12:15

Barclay AA Business card only allows you to choose from a few dates for the due date, unlike the Barclay personal cards, which allow you to choose any date. As others have said, both can be done online.

V
V (@guest_643521)
September 17, 2018 12:36

Chase, Citi, Barclays and Wells Fargo all allow changing the due date (which is tied to the statement date) via a Secure Message as well. Barclays, Citi and Wells Fargo provide an online setting option to change the due date:

Barclay has a setting option (Services menu -> Change payment due date) where you can select your due date or statement date yourself, no need to even SM them. Sometimes it doesn’t work (like on a brand new card), in that case the SM helps.

Citi – I think it’s on the contact us page and if you choose the reason “Change due date” it takes you to the page where you can choose the date.

Wells Fargo’s setting option can be accessed by going to the “Credit Card Service Center” (it’s on the right side menu when you are viewing a credit card balance etc), click “Change Payment Due Date.”

Relation between the due date and statement date:
— For BoA, Chase, Citi and Barclays:
The due date and statement date are 3 days apart, e.g. 20th due date would mean 23rd statement date. Citi is a little off sometimes and shifts the due date and the statement date by a day or two (meaning a 20th due date would become 19th later on) but almost all others usually sticks to the same date.

— For Discover, the due date and the statement date are 5 days apart (20 due date would mean 25 statement date)

— For Amex and Wells Fargo, the two dates are 6 dates apart (I have only had WF Propel World in years, not sure if other WF cards are different).

Elmer
Elmer (@guest_644479)
September 19, 2018 12:23
  V

Thanks. This made it very easy to find the online settings. They seem to want to hide these!

Jacob
Jacob (@guest_770763)
June 16, 2019 20:10
  V

Great information. Thank you for your efforts here.

fll
fll (@guest_643478)
September 17, 2018 11:01

Chase allows change of payment due date online, once every 180 days. Yes account must be in good standing and not a “new” account. Not sure how the “new” is defined.
Presumably this also changes the statement date.

raekwon
raekwon (@guest_643468)
September 17, 2018 10:28

Capital One allows you to change your due date online, which I’d assume would also change your statement closing date.

raekwon
raekwon (@guest_664394)
October 29, 2018 10:22

Confirmed that changing the due date online does indeed adjust the statement date as well.

Vincent Jimenez
Vincent Jimenez (@guest_643392)
September 17, 2018 00:52

I dont understand, can someone explain why we have to call the credit beareus when Chase reports an “off cycle” to them? Is this bad? I just had them change the Due date on my newly opened Freedom Unlimited card and I dont want them reporting anything negative to the credit beareus.

Parkerthon
Parkerthon (@guest_643391)
September 17, 2018 00:44

I didn’t know amex finally changed its policy on due dates. Great to know. Thx!

Superchurn
Superchurn (@guest_643389)
September 17, 2018 00:21

DP: Consumer’s Credit Union (myconsumers.org) will only let you pick between 2 due dates. Very frustrating since none of them align with my other issuers’ dates, but I thought i’d report it anyway