Why You Should Change Your Due Date The primary reason to adjust the billing cycle end date is to ensure your statement balance hits zero right when you get paid. By shifting the timeline, you can essentially "customize" your cash flow, ensuring you have full access to your earned income for as long as possible during the billing cycle.
Understanding and Changing Your Bank of America Credit Card Billing Cycle
" Choose a new date that aligns with your pay schedule, keeping in mind the 21-day minimum payment period. Bank of America typically assigns due dates based on account opening dates rather than customer income patterns.
Bank of America offers robust phone support for account management. Navigate to the "Credit Cards" section and select the card you wish to update.
How to Adjust Your Bank of America Credit Card Billing Cycle End Date
This method is ideal for those who prefer self-service and want to avoid hold times. If your due date falls shortly after a large, necessary purchase, your statement balance might be high, negatively impacting your score.
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