I Can Breathe Now.

Lots of folks have the bulk of their bills due at the beginning of the month, mortgage payments, rent, car payments, etc. Also, people tend to have their credit card payments due at about the same time. However, this does not have to be the case. Most issuers will allow you to change the due date of your credit card bill with no questions asked. There is little consequence to the issuer, as your account will continue to accrue finance charges. For instance, if you were to push your due date 8 days, your billing cycle would have 38 days worth of finance charges (if you were to carry a balance), as opposed to the usual 30 days worth.

However, if you continue to call your card issuer every month or two, they may get wise and start asking if you are having problems with paying your bills and may be reluctant to move your due date further. Moving your due dates can give you much more wiggle room if your finances are tight. Give your issuer(s) a call and they will more than likely oblige your request.