pay your credit card on the statement due date
What is the difference between a closing date and a due date?
The closing date is the last day in a billing cycle, and the due date is when a payment is due on your credit card, usually about one month after the closing date. As an example, if your closing date is June 5, 2025, your credit card statement may arrive on June 8, 2025. The statement could show a payment due date of July 2, 2025.
Statement closing date
The “statement" closing date is sometimes used to describe the closing date of your billing cycle. The term may be different, but the concept is the same. This is the final day of a billing cycle—the last date that charges can post and be counted in your statement balance calculation.
Payment due date
The payment due date shown on your billing statement is the day that a payment is due. It usually falls on the same day each month, and a minimum amount will be due.
The due date is a firm deadline, and there is often a specific time of day when your card issuer must receive your payment. The exact time can vary depending on your card's terms but should be in your cardmember agreement.
Normally, the time your payment is due uses the time zone where the card issuer processes the payment. That could differ from the time zone you're in. Your card issuer might also set different deadlines for online payments and mailed payments.