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How to Change Due Date on Bank of America Credit Card
Managing credit card payments can be a challenging task, especially when the due date falls at an inconvenient time. Fortunately, Bank of America offers its customers the flexibility to change their credit card due dates. This article will guide you through the process of changing your due date on a Bank of America credit card, as well as answer some frequently asked questions.
Changing the due date on your Bank of America credit card can be done easily through their online banking platform. Here’s a step-by-step guide to help you navigate the process:
Step 1: Log in to your Bank of America online banking account. If you haven’t registered for online banking, you will need to do so before proceeding.
Step 2: Once logged in, locate the “Accounts” tab on the top menu bar and click on it. A drop-down menu will appear, and you should select “Credit Card” from the options provided.
Step 3: Under the “Credit Card” section, you will see a list of your Bank of America credit cards. Choose the credit card for which you want to change the due date.
Step 4: After selecting the specific credit card, you will be directed to a page displaying your account details. Look for the “Manage Card Settings” option and click on it.
Step 5: In the “Manage Card Settings” section, you will find various options related to your credit card. Look for the option to “Change Due Date” and click on it.
Step 6: Bank of America will provide you with a calendar to select your desired due date. Choose a date that suits you best and click “Continue” to proceed.
Step 7: Review the changes you have made, ensuring that the due date is correct. If everything looks accurate, confirm the change by clicking “Submit.”
Congratulations! You have successfully changed the due date on your Bank of America credit card. It’s important to note that it may take up to two billing cycles for the new due date to take effect. Until then, continue making payments based on the previous due date to avoid any late fees or penalties.
FAQs:
1. How often can I change the due date on my Bank of America credit card?
You can change the due date on your Bank of America credit card once every six months. It’s essential to plan ahead and choose a date that aligns with your financial situation.
2. Will changing the due date affect my credit score?
No, changing the due date on your credit card will not directly impact your credit score. However, it can help you better manage your payments and avoid late fees, which indirectly contributes to maintaining a good credit score.
3. Can I change the due date on multiple credit cards?
Yes, you can change the due date on each of your Bank of America credit cards individually. Simply follow the aforementioned steps for each card you wish to modify.
4. Can I change the due date to any day of the month?
Bank of America allows you to select any available due date within the billing cycle. However, keep in mind that the new due date must be at least five days from the current date.
5. What if I miss the due date while waiting for the change to take effect?
It’s crucial to continue making payments based on the previous due date until the new due date is officially updated. Missing a payment during this transition period may result in late fees or penalties.
Changing the due date on your Bank of America credit card can provide you with greater control over your financial obligations. By following the simple steps outlined in this article, you can ensure that your payments align with your financial circumstances, making credit card management more convenient and stress-free.
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