You can change your Chase credit card payment due date online, by phone, or through the Chase mobile app—and the change usually takes effect within one or two billing cycles.
Chase lets you move your due date to any day of the month that works for your budget. The new date will appear on your next statement or the one after, depending on when in your billing cycle you make the change. You do not need to call customer service unless you want to; the online method is faster and leaves a record of the change.
The reason to change your due date is practical: if your paycheck arrives on the 15th and your payment is due on the 10th, you are paying early or carrying a balance. Moving the due date to the 20th solves that without changing how much you owe or when interest charges begin.
Key Takeaways
- Log into your Chase account online or in the mobile app, find your credit card, and select the option to change your due date—it is usually under "Account Services" or "Billing."
- You can pick any day of the month from the 1st to the 28th; Chase does not offer the 29th, 30th, or 31st to avoid confusion on shorter months.
- The new due date takes effect on your next statement or the statement after that, so plan ahead if you need the change for an upcoming payment.
- Changing your due date does not affect your credit score, your interest rate, or how much you owe—it only shifts when the payment is due.
- If you miss a payment on the old due date before the change takes effect, you are still responsible for any late fees or interest charges.
How to change your due date online or in the app
Log into your Chase account at chase.com or open the Chase mobile app. Find the credit card you want to change and tap or click on it to open the account details. Look for a link or button labeled "Change Due Date," "Billing," "Account Services," or "Payment Options"—the exact label varies by card type and whether you are on desktop or mobile.
Select the new due date you want from the calendar or dropdown menu. Chase will show you when the change takes effect—usually your next statement date or the one after. Confirm the change and you are done. The system will send you a confirmation email with the new due date.
If you cannot find the option in your account, try searching the help section for "change due date" or "payment date." Chase's website layout changes periodically, so the path may not be exactly where you remember it.
Changing your due date by phone
Call the customer service number on the back of your credit card. Tell the representative you want to change your payment due date and provide the new date you want. They will confirm the change on the call and send you a written confirmation by mail or email.
Phone changes take the same amount of time to process as online changes—usually one or two billing cycles. There is no advantage to calling instead of using the online method except that you get to speak to someone if you have questions about how the change will affect your account.
What days you can choose and when the change takes effect
Chase allows due dates from the 1st through the 28th of any month. You cannot choose the 29th, 30th, or 31st because those dates do not exist on every month, and Chase wants to avoid confusion or missed payments on shorter months.
The timing of when your new due date appears depends on where you are in your current billing cycle. If you change your due date early in the cycle, it may take effect on your next statement. If you change it late in the cycle, it usually takes effect on the statement after that. Chase will tell you the exact date when you make the change.
Do not assume the change is active on your next payment. Check your statement or log back into your account a few days before you think the new due date should arrive to confirm it has taken effect. If you pay based on the old due date and the change has not gone through yet, you could be late.
What happens if you change your due date mid-cycle
If you change your due date in the middle of a billing cycle, your current statement will still be due on the old date. Only statements that close after the change takes effect will use the new due date. This means you may have two different due dates on two consecutive statements—one old, one new—before settling into the new rhythm.
For example: your current due date is the 10th, and your statement closes on the 5th of each month. You change your due date to the 20th on the 8th. Your statement that closes on the 5th is still due on the 10th. Your next statement, closing on the 5th of the following month, will be due on the 20th.
How changing your due date affects your credit and interest
Changing your due date does not affect your credit score, your interest rate, or your credit limit. It only changes when the payment is due each month. Your credit report will not show the change, and Chase will not re-evaluate your creditworthiness because you moved the date.
Interest charges are based on your balance and your APR, not on your due date. If you carry a balance, you will pay interest whether your due date is the 10th or the 20th. The due date is when the payment is due; it is not when interest stops accruing. Interest accrues daily from the moment a charge posts to your account.
If you have a 0% introductory APR offer, changing your due date does not affect the terms of that offer. The promotional period runs from the date the offer began, not from your due date.
What to do if you miss a payment before the change takes effect
If you miss a payment on your old due date before the new due date takes effect, you are responsible for any late fees and interest charges. Changing your due date does not erase or forgive a late payment that already happened. Chase will report the late payment to the credit bureaus if it is 30 days or more past due.
If you realize you will miss a payment, contact Chase before the due date passes. Explain your situation and ask if they can defer the payment or work out a plan. Some cardholders have had success asking Chase to waive a single late fee if they have a good payment history, though Chase is not required to do so.
Frequently Asked Questions
Can I change my due date more than once?
Yes. You can change your due date as often as you want, though Chase may limit how frequently you can make changes in a short period. Most cardholders change their due date once and leave it alone, but there is no rule against changing it multiple times if your circumstances shift.
What if I want a due date on the 31st?
Chase does not offer the 29th, 30th, or 31st as due date options. If you want a due date late in the month, choose the 28th. This avoids confusion on February and other shorter months.
Does changing my due date delay my payment?
No. Changing your due date only shifts when the payment is due. It does not delay the payment itself or give you extra time to pay off your balance. If you owe money, you still owe it; the due date just moves.
Will changing my due date affect my credit limit or rewards?
No. Your credit limit, rewards rate, and all other card benefits remain the same. Only the date your payment is due changes.
What if I change my due date but forget the new date?
Log back into your Chase account and check your statement or account details to see your current due date. You can also set up automatic payments so you do not have to remember the date at all—Chase will deduct your payment automatically on the due date each month.