The due date of the 21st is for the previous statement. and the closing date (aka statement date) is when a new balance, minimum payment, etc is calculated. To report $0 due at the statement. cut date he needs to look online and pay his total balance due + any pending charges that . might post between pushing the money and the statement date.
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You’ll be in good shape if you can pay off your credit card by the due date, especially if you pay your entire balance. Paying at least part of your bill before the closing date could be even better if you want a good credit score. But the best time to make a credit card payment may be whenever your credit utilization ratio exceeds 30%.
Best Answer: Charges after the closing date show up on the next statement. The due date is about 20 -25 days after the closing date. Stop worrying about the closing date. Just pay the balance in full by the due date. You have an interest free grace period between the purchase date and the statement due date.
When choosing a credit card payment due date vs closing date, you need to pay attention to the following parameters: The interest rate is the price of the loan that you pay the bank for using the money. The lower the interest rate, the better. The credit limit is the maximum amount that you can borrow from a bank.
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Don’t confuse your statement closing date with your payment due date. While the closing date is the end of your statement cycle, the due date is the date by which you must make your payment to avoid a late charge.
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As Vivekananda Kota mentioned, the date you use your card is not necessarily the date the transaction will appear on your statement. When you use your credit card, the sale is not finalized. The merchant only gets an authorization number for the t.
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On a normal amex credit card, the due date tends to run about a week or so before the next closing date. That’s similar to the credit card payment timeline at most banks. That’s similar to the credit card payment timeline at most banks.
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