How to Adjust Your Billing Cycle to Better Suit Your Needs?

Paying your Credit Card bill on time is essential to maintain a good credit score. Late payments or defaults on the Credit Card billing cycle can negatively affect your credit history, making it difficult for you to access credit facilities in the future. 

Additionally, if you have a large outstanding balance on your Credit Card, it may be divided into Equated Monthly Instalments (EMIs) that you must pay monthly. However, if your salary does not coincide with your billing cycle, paying your Credit Card bills on time may become difficult. This article will discuss how you can change or choose your Credit Card payment due date to suit your finances.

The Credit Card billing cycle encompasses a set of features. The process commences from the day the card is activated and can last for a variable period. All transactions made on the card will be added to the Credit Card bill, including any applicable charges like joining fees, interest, and cash withdrawal charges. 

Features of Credit Card billing system

Any reimbursements or cashback received will be indicated as “credit” in the billing statement and subtracted from the billing amount. Once the billing cycle ends, the credit card bill, which considers all credits and debits, will be sent to the cardholder. 

Duration of a billing cycle 

The billing cycle’s length varies from lender to lender. It can be up to 27-31 days or even more than a regular month. It may begin and end on the Credit Card provider’s set date or based on the account opening date. The billing cycle can also start on the month’s first day and continue until the last day, with the possibility of an extension if the cycle date falls on a weekend.

Can You Choose or Change Your Credit Bill Due Date?

RBI has made it mandatory for Credit card issuers to allow customers to change their billing due date at their convenience. However, you can modify the due date only once in a specified period. One can even pay the minimum amount due on a Credit Card. Still, it can affect your credit score. Therefore, you must choose a suitable date that aligns with your income cycle and keeps you up on funds.

How should you select a suitable billing due date?

Some factors to consider when selecting a Credit Card payment due date:

Arrange Due Dates After Salary Credit: Select a due date after you receive your salary or income credit. This way, you can ensure you have enough funds to pay your Credit Card bills and avoid defaults.

Pay Multiple Credit Card Bills Together: If you have multiple Credit Cards, assign one date to pay them all simultaneously. This way, you do not have to remember separate due dates for each Credit Card. However, if paying for multiple cards at once is financially straining, you can assign numerous due dates over the month.

Set Reminders: Set reminders on your phone or any electronic device to ensure you get all due dates even if you pay the minimum amount due on a Credit Card. Additionally, enable automatic EMI payment through net banking to ensure the Credit Card company deducts monthly repayments from your bank account.

Changing Your Credit Card Payment Due Date?

You can change your billing due date by contacting the bank’s customer executive via call or email. You must convey specified information and a valid reason for making the decision. Alternatively, you can visit the lender’s branch, fill out a required form, and submit it.

What benefits of Changing the Due Date?

Changing your payment due date can provide the following benefits:

Flexibility in Fund Management: You can select a suitable date when you will have enough money to fund your Credit Card dues, providing flexibility in financial management.

Assists in improving credit score: You can improve your credit history with timely repayments. It will increase your chances of loan approval or accessing premium Credit Cards with higher credit limits.

Also Read: What is Unbilled Amount in Credit Card?


Credit Cards can be a valuable debt facility if managed efficiently. However, you must ensure timely repayments and stay within your credit limit. Changing your bill’s due date at your convenience can help ensure that Credit Card bills are not burdensome. Be careful when selecting a due date that aligns well with your cash flow.

Leave a Reply

Your email address will not be published. Required fields are marked *