Changing Bill Due Dates

May 31, 2004

Overdue BillSometimes due dates on bills don't align with my paydays. If this happens, I simply call the company and ask if I can change when my account comes due. For example, payday is the 1st and 15th, so I ask for a due date of 8th or 22nd. This gives the mail plenty of time to get there. Most companies, especially credit card companies don't mind at all. This saves a lot of money on late fees and improves my credit rating.


By Shopmeister

Comment Was this helpful? 2


Ask a QuestionHere are the questions asked by community members. Read on to see the answers provided by the ThriftyFun community or ask a new question.

August 20, 2010

Why won't my mortgage company allow me to change my due date from the 1st to 10th of the month?

By pam booth from Memphis, TN


Bronze Feedback Medal for All Time! 138 Feedbacks
August 20, 20100 found this helpful

They are under no obligation to do so. You signed a contract agreeing to the terms. Most mortgages have a grace period of about 10 days so if your loan payment is due on the 1st, you are not marked delinquent until the 10th.

Reply Was this helpful? Yes
August 24, 20100 found this helpful

Because most banks suck! Great idea to just pay them during the grace period but I would call and clarify it with them before doing it. Unfortunately, if you have an automatic deduction of your payment on the 1st of the month, then you are probably stuck with it.

Reply Was this helpful? Yes

Gold Post Medal for All Time! 846 Posts
August 24, 20100 found this helpful

Whoever you talked to maybe doesn't want the extra paperwork to deal with? I am not sure :-( But if you go to the mortgage company 'manager' yourself and in person and nicely tell them you really need a later due date they very likely will work with you but you'll have to pay for the prorated difference in advance.


For example, you need the due date to be ten days later than it currently is. You will need to prepay those ten days plus the interest for those ten days. If the mortgage company is unwilling or legally unable to do that then just do the best you can to get yourself a month ahead on monthly payments.

Reply Was this helpful? Yes
November 13, 20140 found this helpful

You are unable to change your due date due to in changing your loan terms. The only way that you are able to change a due date is to refinance your mortgage. Mortgage companies do give a 15 day grace period where you will not receive a late fee, however you will be paying more in interest.


The response that stated you needed to speak with a manager is competely wrong. That was obviously submitted by someone who was not educated in the mortgage industry.

Reply Was this helpful? Yes
Answer this Question
Budget & Finance Paying BillsJuly 10, 2014
Mother's Day Ideas!
Father's Day Ideas!
Ask a Question
Share a Post
Better LivingBudget & FinanceBusiness and LegalComputersConsumer AdviceCoronavirusCraftsEducationEntertainmentFood and RecipesHealth & BeautyHolidays and PartiesHome and GardenMake Your OwnOrganizingParentingPetsPhotosTravel and RecreationWeddings
Published by ThriftyFun.
Desktop Page | View Mobile
Disclaimer | Privacy Policy | Contact Us
Generated 2022-05-03 08:15:24 in 4 secs. ⛅️️
© 1997-2022 by Cumuli, Inc. All Rights Reserved.