5 Foolproof Ways to Remember Your Credit Card Due Date

One of the things that we dread is forgetting to congratulate a close family member or friend on their birthday or marriage anniversary.  After all, the consequences of such an act can be quite dangerous – you may not only have to contend with fierce glares for a prolonged period of time, but you could also have to endure a cold war in your household! However, there is one date which is even more important than your even spouse’s birthday … and that is your credit card due date. This is because your spouse can probably be appeased with a special gift or a romantic dinner, but that is certainly not the case with a credit card company. 

Forgetting to make your credit card payment on time could land you a late fee, an interest rate hike, or both. And in case you are significantly late with your payment, your credit score could take a major hit. So what can you do to ensure that your credit card is always paid off within the stipulated time frame? For starters, you could try one or more of the options listed below.

1. Alter Your Due Date: If there’s a special date that is convenient for you, you can ask your card company to change your due date to that day. For example, many consumers find it simpler to pay their bills around the time when they receive their paycheck. There are others who prefer it if all their bills become due around the same day – this way the chances of them forgetting to pay a bill are reduced.
   
   
2. Mark the Date on Your Calendar: It doesn’t matter whether it’s a wall calendar, your office calendar or the calendar on your phone - as long as it is one that you check every day, it’ll help you to remember your due date.
   
   
3. Implement the Auto-payment Facility: Most banks offer an online bill payment facility, and you can fix a date to automatically pay your bill each month. Nevertheless, if you are doing so, make sure that you have enough funds in your account the day the bank is scheduled to debit your payment. You must also ensure that the date you pick is a few days before your credit card due date.
   
   
4. Download a Reminder App or Send Yourself a Reminder Email: Technology has indeed made our lives so much easier. You can either download an app such as Remember The Milk (for Android and iPhones), or you can subscribe to a site like MemoToMe. Both of these options will send you a reminder a to help you remember the due date.
   
   
5. Use Your Bill as a Reminder: Bills usually arrive two or three weeks before your due date. If you make your payment the moment they arrive, there’s no chance of you missing the due date. However, in such cases, you need to be a little careful, for if the bill gets lost in the mail or is misplaced, you could miss your payment.

If you follow one or more of the above ways, there will hopefully be one less date that you have to worry about. This way, you can concentrate on remembering other important dates, such as birthdays and anniversaries!

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