Safest way of tracking credit cards payments due date

[NikhilG]

This is the second time I forgot due date, any way to track this efficiently

 

[Hope]

C re d

 

[sunit123]

Google calendar alerts

 

[RDR]

Recurring Phone reminders

 

[HiddenGems]

I have made all my statements on same date for all cards - so no need to remember due dates for each card.

I also clear all CC payments at once

 

[NikhilG]

I have made all my statements on same date for all cards - so no need to remember due dates for each card.

I also clear all CC payments at once

How's it possible, can we request banks to do that?

 

[NikhilG]

Recurring Phone reminders

Just did that, every card has different due date
My sbi cashback due date was 23rd April and I settled on 27th i.e
Will they charge late fee?

 

[vagabond153]

Google calendar alerts

Does it fetch directly from the bill mails?

 

[akshayhs]

When I add my credit card details to my expense tracker and budgeting apps, it asks me when is the payment date and sends me a reminder based on how I have configured. In addition to this, I have unified all my credit card statement billing date to a single day. So I know when to clear them easily without much effort.

 

[VISION]

How's it possible, can we request banks to do that?

yes, we do that ,
u need to call customer care and ask to change it and
few banks have option to change in their app itself - u can select ur convenient date.

 

[NikhilG]

yes, we do that ,
u need to call customer care and ask to change it and
few banks have option to change in their app itself - u can select ur convenient date.

Okay, i will do that exercise.
My sbi cashback due date was 23rd April and I settled on 27th i.e
Will they charge late fee?

 

[vishalgupta2]

Okay, i will do that exercise.
My sbi cashback due date was 23rd April and I settled on 27th i.e
Will they charge late fee?

Most likely yes, if I was you I would be more worried about interest (on all purchases) and cibil hit.

 

[sriteja]

I would suggest moving all credit card bills to two days in a month (like 1st and 15th ), so that you can enjoy the full ~ 40 days interest fee credit (helps in times of cash crunch like when purchasing a home).

 

[NikhilG]

Most likely yes, if I was you I would be more worried about interest (on all purchases) and cibil hit.

I Don't see late payment fee yet in under settlements and on 4th grace day my bill got settled. And 3rd and 4th grace day was bank holiday. Also my bill was less than 2k. Do you think they will still charge late payment fee and report to cibil

 

[me_sovon]

How's it possible, can we request banks to do that?

Thread 'Bill Generation Date Options given for Credit Cards' https://www.technofino.in/community...on-date-options-given-for-credit-cards.28274/

 

[sunit123]

Does it fetch directly from the bill mails?

No...It just send reminder through email and app notification to pay the bill....It is foolishness to allow 3rd party apps like Cred, expense trackers etc to fetch your credit card details

 

[bharathnalla]

I would suggest moving all credit card bills to two days in a month (like 1st and 15th ), so that you can enjoy the full ~ 40 days interest fee credit (helps in times of cash crunch like when purchasing a home).

You mean billing dates?

 

[panchabhut]

I use good old excel sheet. When bill is received, I update the due amt and due date. In one column I have set formula to deduct current date from due date, with background of the cell set to turn red when value is 5 or less. Since I normally pay in multiple parts and different sources (to get maximum cashback/discount) whenever I pay, I reduce due amt accordingly.

 

[credit geek]

You can add them in Gpay .. only last 4 digit and phone no is required

 

[ontherocks]

You must be receiving the statements by email, except a few cards like AMEX and OneCard, for which you get statement notification. Also you must be checking your email everyday. Why don't you pay the bill the very same day? It only takes a few minutes. I do it that way.