When your credit card bill is due on a Sunday or holiday what do you do?. The law states that your credit card payment due date must fall on the same calendar day each month. If your payment is due on the same date each month, it makes it much easier to keep track of your bills, but one of those dates might fall on a weekend or a holiday.
Holidays and Sundays are days when the mail isn’t delivered most people relax on the weekends and holidays, and your credit card issuer may be closed for payment processing.
The Rule for Weekend or Holiday Due Dates
If your due date falls on a holiday or weekend, your credit card issuer has to accept the payment without charging you any penalty as long as you make the payment, and it is received by the following business day by 5 pm. Note, the rule only applies if the holiday or weekend day falls on a day that the credit card issuer does not accept payments at all.
How To Make Your Payment On Time
When your payment due date falls on a holiday or a weekend in a particular month, you should try and make your payment before that day, especially if you typically mail your payment. You can be charged a late fee if your payment is not gotten by the due date even if your due date is on a weekend or holiday. Except for your credit card issuer only accepts mail payments (which is unlikely), your payment will be late if it’s received on the following Monday or day after the holiday.
Other Alternatives to Mailing Your Payment
You can drop your payment in the mail a few days earlier than normal, so it has enough time to arrive and be processed before. Bear in mind that mail may be delayed around the winter holidays when more people are mailing packages.
You can set up a payment online at your credit card issuer’s website, or you can call the customer service number on the back of your credit card to make a phone payment. You’ll need the following; your checking account information, account number, and routing number to make the online or telephone payment.
. Note that if you wait until the actual due date to make your credit card payment, you may have to make an expedited phone payment, which is a convenience for which you may pay a fee. Note also that unless your credit card issuer has a later payment cut off time, your payment has to be made by 5 pm on the due date to be considered on time.
It is best to always check the calendar for your due dates at the beginning of every month or the last week of the month if your payments due on the first few days of the month. It is also advised that you pencil down your due dates on a calendar or pay all your bills at the beginning of the month. All these are medium you can use to ensure your payment is made on time.