You can change your Chase payment due date through your online account, by phone, or in the Chase mobile app — the change takes effect on your next billing cycle

Chase lets you pick a due date that works with your paycheck or cash flow. The date you choose becomes your new due date starting with your next statement, not when ready. You have a few ways to make the change, and none of them require calling customer service if you use the online method.

The due date you select must fall between the 1st and the 28th of the month. Chase will not let you choose the 29th, 30th, or 31st because those dates do not exist in every month. If you pick the 28th, your due date will shift to the last day of months with fewer than 28 days.

Key Takeaways

  • Log into Chase.com or the Chase mobile app, find your card, and look for "Change Due Date" or "Payment Due Date" in the account settings or payment section.
  • Your new due date takes effect on your next billing statement, not on the current one, so plan ahead if you are trying to avoid a late payment.
  • You can only choose a date between the 1st and 28th of the month; Chase does not allow dates that do not exist in every calendar month.
  • If you change your due date and then miss a payment, the new date applies to future statements, but the missed payment stays on your credit report.

Changing your due date online or in the mobile app

Log into your Chase account at Chase.com or open the Chase mobile app on your phone. Find the credit card you want to change, then look for a link or button labeled "Change Due Date," "Payment Due Date," "Due Date," or "Manage Payment Options." The exact wording varies slightly by card type and when your account was opened, but it is always in the account settings or payment section.

Click or tap that link. Chase will show you your current due date and ask you to select a new one from a calendar or dropdown menu. Choose the date you want — remember, it must be between the 1st and 28th. Confirm your selection. Chase will show you a confirmation message with your new due date and the date it takes effect, usually the next billing cycle. Take a screenshot or note the confirmation number if you want proof of the change.

The change is when ready in the system, but it does not explore to your current statement. If your statement closes on the 15th and your current due date is the 22nd, and you change it to the 5th today, your next statement (closing around the 15th of next month) will have a due date of the 5th. Your current statement still has a due date of the 22nd.

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 Social Security number, date of birth, or other account details. Tell them you want to change your payment due date.

The representative will confirm your current due date, ask you what new date you want, and make the change in the system while you are on the phone. They will give you a confirmation number and tell you when the new due date takes effect. Write down the confirmation number. The phone method takes about five minutes and produces the same result as the online method.

What happens if you change your due date mid-cycle

If you change your due date after your statement has already closed, the change does not affect that statement. Your current bill still has the old due date. The new due date applies to your next statement and all statements after that.

For example: your statement closes on the 20th with a due date of the 27th. You change your due date to the 10th on the 23rd. You still owe the current bill by the 27th. Starting with your next statement (closing around the 20th of next month), the due date will be the 10th. This matters if you are trying to move your due date earlier to avoid a late payment on your current bill — changing the due date will not help you this month.

Moving your due date to align with your paycheck

Many people change their due date to match when they get paid. If you are paid on the 15th and the 30th, you might choose the 17th or 18th as your due date so you have time to transfer money after your paycheck hits. If you are paid weekly, you could pick any date and have time to pay before it arrives.

Keep in mind that your statement closes on a fixed date each month (usually the same day every month), and your due date is typically 21 to 25 days after that. Changing your due date does not change when your statement closes. If your statement closes on the 10th and you set your due date to the 5th, you will have a very short window to pay — only about 25 days from the previous statement close to your new due date. Make sure the date you pick gives you enough time between when you see the bill and when it is due.

If you miss a payment after changing your due date

A late payment is reported to the credit bureaus if you pay more than 30 days after your due date. If you change your due date and then miss a payment on the new date, the late payment is recorded under the new due date, not the old one. The late payment stays on your credit report for seven years from the date it was reported.

Changing your due date does not erase or reset any missed payments you made under the old due date. If you were 45 days late on a payment under your old due date, that late payment remains on your report even after you change the due date. The new due date only applies to future statements.

Changing your due date multiple times

Chase does not limit how many times you can change your due date. You can change it once a month, once a year, or as often as you need. There is no fee for changing it, and it does not affect your credit score or your account status.

However, changing your due date very frequently can make it hard to remember when your payment is actually due. If you change it every few weeks, you might miss a payment because you forgot the current due date. Set a due date that works for you and leave it alone unless your circumstances change.

Frequently Asked Questions

Can I change my due date if I have a late payment on my account?

Yes. A late payment does not prevent you from changing your due date. The change takes effect on your next statement, and future payments will be due on the new date. The late payment itself stays on your credit report, but changing the due date does not affect it.

What if I change my due date but forget the new date?

Log back into Chase.com or the app and check your account. Your current due date is always visible on your statement or in the payment section. You can also set up automatic payments so you do not have to remember the date at all.

Does changing my due date affect my credit score?

No. Changing your due date is an account management action and does not show up on your credit report. Only late payments, missed payments, and how much you owe affect your score.

Can I set my due date to the 29th, 30th, or 31st?

No. Chase only allows due dates between the 1st and 28th. If you choose the 28th, it will automatically shift to the last day of months with fewer than 28 days (like February or April).

If I change my due date, do I still have to pay my current bill by the old due date?

Yes. Your current statement keeps its original due date. The new due date applies only to statements that close after you make the change. If you change your due date on the 25th and your statement is due on the 27th, you still owe it by the 27th.