How to change the expiration date of your credit card

What to do if your card payment is about to expire depending on the issuer?

Here we explain how to change the expiration date of your credit card bill with the different issuers of credit cards in the United States.

Credit card companies typically offer users the option of changing the due date of their payments at any time. You should keep in mind, however, that federal law does not require them to do so. The CARD Act, approved in 2009, only mandates that expiration dates remain unchanged from month to month.

Now that you know how to change the payment date, let’s see how it is done at the top credit card companies in the United States:

Barclays Bank

Barclaycard credit card users can also change the payment due date:

1. Click on the services link at the top of your online account.
2. Next, click on “change payment due date”. A drop-down menu will appear.
3. The system will open a new window. Click on “change payment due date.” It will be the first option on the list when you click on it.
4. Choose the date you prefer.

Bank of America

Bank of America customers cannot change their due dates online. However, they can change them by phone. Changes can be requested by calling the customer service number on the back of your card. A bank representative will help you throughout the process.

Capital one

You can also change the due date of your Capital One card payments. You should only take into account that it may take up to two billing cycles for the modification to be reflected. You will be required to make your card payments before your previously scheduled due date for the next two months. This way, you won’t have to worry about being late or defaulting.

1. Log in to your account and click on “Services” at the top of the page.
2. You can now select your preferred payment date by choosing the option “change payment date”.

Keep Reading: How can I apply for a Capital One credit card?

Chase

You can change your Chase card payment date by following these steps:

1. Go to your account and click “Things you can do”. You will find this link at the top right of the screen.

2. Choose the option “update preferences” (In English, update your settings and preferences)

3. The drop-down menu will appear. From the drop-down menu, select “Payment due date”.

NOTE: Your next billing cycle will reflect this change. Users are also advised that the change may impact the minimum card payment and interest calculation. This change will however only affect payments once, and is caused primarily by the change in the payment date.

Citi Bank

Clients can also change the payment date by choosing from three different dates: the beginning, the middle, and the end of the month:

1. Login and click Account. On the upper right-hand side of the screen.
2. To manage payment due dates, select the “settings” option.
3. Next, select the payment due date. Choose a range that suits your preferences.

Credit One Bank

Credit One gives users the alternative of making the payment due date change through two methods : calling customer service and selecting a new date, or online.

Obviously, you will need to wait until the end of a billing cycle to access any of these features. In addition, you may encounter some restrictions when choosing the date: you can only select one of the six days before / after your current payment date. Please note that you can only use this option once every six months.

1. Click on “Settings” in your Credit One account. On the left side of the page you can find this option.
2. Click on “payment due date” to access this information. Then follow the instructions to make the change.

Discover

Except for weekends, Discover lets you choose your booking date:

1. Log into your Discover account and select “Activity and Payments” from the top menu.
2. This will open a drop-down menu for you. Choose “change payment due date” and choose a day that suits you.

USAA

If you would like to change the USAA payment due date, you can call the customer service number or log on to your account online:

1. Select “Services” from the menu after logging in.
2. You will now be able to view/change your expiration date.

US Bank

Due to the fact that US Bank does not allow the user to change the due date of their credit card payment online, you will need to call the customer service line.

US Bank will implement this change during the next billing cycle.

Keep Reading: How to get best personal loan without credit?

Wells Fargo

You have two options for changing your Wells Fargo credit card payment due date. You can reach customer service at 1-877-805-7744, or you can log in to your account online:

1. Select an option related to “accounts” in the menu.

2. You will find a credit card service centre after you click on “manage credit cards.”

3. You will need to select the credit card you want to modify.

4. Select “change payment date” to complete the process.

Please note that the changes may take up to two billing cycles to take effect. Be sure to plan accordingly so you do not fall behind with your payments.

Why do credit cards expire?

There are basically three reasons why credit cards expire: worn out, security and the possibility of offering new options to the customer.

• Attrition – Most financial institutions issue new credit cards every three years at most. After that time, it is believed that the magnetic tape on the cards will deteriorate, which would compromise their usability.
• Security – Another reason to renew the expiration date is to reduce the risk of fraud in situations where transactions are done manually. As the date changes, the information changes as well.
• New options –The third reason is that, when the expiration date of the card approaches, the company reviews the record of the customer, so it may contact the user with new conditions and promotions.

Keep Reading: How to open a Wells Fargo account online

FAQ’s

Here are answers to some other common questions about the date of the card.