Managing finances and working with different lines of credit can both be huge hassles. But there’s no need to let the stress of managing multiple billing dates between credit cards and utility bills get you down. There are ways to get through the month without the need of having to remember numerous days to pay your bills. 

A lot of people don’t know that you can simply change your statement and billing dates for several or all of your lines of credit. It’s not a particularly hard thing to do, but it requires you to be responsible with your credit and pay bills on time. 

How to Change Billing Dates

Depending on your schedule and way of life, you may have preferred days to pay your bills or have different methods of payment for specific bills. There are two main ways that people can schedule their payments:

• Spread out payments throughout the month to make it easy to pay bills depending on when you get your paychecks. This way may be less stressful to some people who do not want a large gut punch to their bank account all at once.

• Another way is to stack up all the payment dates with your credit cards, lines of credit, or utility bills on a single day, that way it’s easier to remember when to pay up. Again, this can also line up with a paycheck to make it easier and less of a hassle.

Either way, it’s important to schedule these payments in a way that makes it less stressful for you, the customer. 

Different creditors have different methods when it comes to changing statement dates, one way is to go online and do it through a web portal. However, the most direct way is to call up the creditor or utility company and ask to change the date with the representative on the phone. If you have been responsible for your payments and have not missed one or been late, most companies will be agreeable to changing payment dates. Make sure to contact the company directly by calling the number on the back of a credit card or using the number on the bill or statement that you receive.

Automatic Payments

Another solution to remove the headache of keeping up with payments is to set all your bills, credit card or utility, on auto-pay. Nearly every company and creditor out there will have an option to set up automatic payments based on your schedule. Whatever date you choose, this method of payment will make sure that you never miss a payment or be late on a payment.

Financial responsibility through either changing your payment date or setting up an auto-pay system will help you in the long run. Besides removing the stress of remembering when to pay, it also helps build your credit and improve your credit score. The credit bureaus love people who are financially stable and responsible with their payments, and your score will steadily increase over time as you make each payment every month. 

Just remember when it comes to payments, keep an eye on your bank account, spending habits, and how much each bill should be paid. With automatic payments, you should keep a minimum balance in your checking account to avoid any sort of overdraft and the fees that follow. After all, you don’t want to pay more than you have to.

If you want to improve your credit score in other ways, call us at Fix Your Credit Consulting at (877) 212-2450 for a free consultation.

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