You can move your Chase credit card due date by logging into your account online, calling Chase, or visiting a branch — the change takes effect on your next billing cycle
Chase lets you pick a due date that works with your paycheck or cash flow. You can choose any day from the 1st through the 28th of the month. The change won't affect your current bill — it applies starting with your next statement, which arrives roughly 21 to 25 days after your billing cycle closes.
The fastest way is online through the Chase website or mobile app. You can also call the customer service number on the back of your card, or walk into a Chase branch if you prefer to do it in person. All three routes take just a few minutes.
Key Takeaways
- You can change your due date to any day between the 1st and 28th of the month through Chase's website, app, or by phone.
- The new due date starts on your next billing statement, not your current one, so plan ahead if you need the change urgently.
- Changing your due date does not affect your interest rate, credit limit, or any other account terms.
- If you miss a payment on your old due date before the change takes effect, you are still responsible for paying on time under the old schedule.
How to change your due date online or in the Chase app
Log into your Chase account at chase.com or open the Chase Mobile app. Find your credit card account and look for a link or menu option labeled "Due Date," "Payment Due Date," or "Manage Due Date" — the exact wording varies slightly depending on which card you hold and which platform you're using.
Select the new due date you want from the calendar or dropdown menu. Chase will show you a confirmation screen with your old due date, your new due date, and when the change takes effect. Review it carefully, then confirm. You should see a confirmation message immediately, and Chase will also send you an email receipt.
If you cannot find the due date option in your account, try searching the help section for "change due date" or "payment due date." Chase's website layout changes periodically, so the link may be in a different spot than you expect.
Changing your due date by phone
Call the number on the back of your Chase credit card. A representative will verify your identity by asking for your card number, Social Security number, or other account details. Tell them you want to change your payment due date and give them the new date you prefer.
The representative will confirm the change and give you a reference number. Write it down or ask them to email you a confirmation. The change takes effect on your next billing cycle, just as it does online.
Wait times vary depending on the time of day and how busy Chase's phone lines are. Calling early in the morning on a weekday is usually faster than calling in the evening or on weekends.
When your new due date takes effect
Chase closes your billing cycle on a set date each month — this is different from your due date. Your new due date applies to the statement that closes after you make the change, not to the bill you already have.
For example: if your billing cycle closes on the 15th and you change your due date on the 10th, your current bill (due on the old date) stays the same. The statement that closes on the 15th of next month will show your new due date.
If you need the change to take effect sooner, you may be able to make a one-time adjustment by calling Chase and explaining your situation, but this is not may provide. Plan ahead if you know you need a different due date.
What happens if you miss a payment before the change takes effect
Your old due date is still in effect until your next billing cycle closes. If you miss a payment on the old due date, Chase will report it as late even if you change your due date afterward. The change does not erase or forgive a missed payment.
If you are close to your current due date and worried you might miss it, make a payment right away — even a partial payment counts as on-time. Then change your due date to a day that gives you more breathing room.
Reasons to change your due date
The most common reason is timing: if your paycheck arrives on the 20th but your bill is due on the 10th, you are paying from money you do not have yet. Moving the due date to the 25th or later gives you time to receive your income first.
Some people consolidate multiple bills to one due date so they only have to remember one payment day per month. Others change their due date to avoid a day when other expenses hit — for example, moving it away from the day rent is due.
Changing your due date does not lower your interest rate or change your credit limit. It is purely a scheduling tool. If you are carrying a balance and paying interest, moving your due date does not reduce the interest you owe — it only changes when you need to pay.
If you cannot change your due date online or by phone
Visit a Chase branch in person with your credit card and a photo ID. A banker can change your due date on the spot. This is useful if you are having trouble with the website or app, or if you prefer to handle it face-to-face.
If Chase denies your request to change your due date — which is rare — ask why. Some older or specialty cards may have restrictions, though most Chase credit cards allow you to pick any date from the 1st through the 28th. If you hit a restriction, the representative should explain what dates are available for your specific card.
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 each change takes effect on your next billing cycle. There is no limit to how many times you can adjust it, and Chase does not charge a fee.
What if I want a due date on the 29th, 30th, or 31st?
Chase only allows due dates from the 1st through the 28th. If you pick the 28th and your billing cycle closes on a month with fewer than 28 days, your due date shifts to the last day of that month automatically.
Does changing my due date affect my credit score?
No. Changing your due date is an account management change and does not show up on your credit report. Your score is based on payment history, credit utilization, and other factors — not on which day you choose to pay.
Will my autopay schedule change if I change my due date?
If you have autopay set up, you should check your autopay settings after changing your due date. Some autopay schedules update automatically, but others may stay on the old date. Log in and confirm that autopay is set to the new due date if you want payments to go out automatically.
Can I change my due date if I am behind on payments?
Yes, you can change your due date even if you have missed payments. However, changing the due date does not erase past-due amounts or stop late fees. You still owe what you owe on the old schedule. Catch up on the missed payment first, then adjust your due date going forward.