This month, I never got a credit card bill. I didn’t get my usual monthly email with my statement. There was no minimum payment due. Nothing.
I completely got out of paying my credit card bill for a month.
This isn’t a huge deal as I’m not investing that extra money over the next month and I surely won’t be risking it on a single stock (although that does sound kind of cool).
Still, if I could accidentally get off without making a credit card payment, I’m sure there are a ton of other people who need an extra month to get the money or who might want to risk the one-month investment.
So how did I do it?
After not receiving the bill, I called up my credit card company asking why I wasn’t sent a bill. They said that my billing cycle was changing and this is just a side effect. I completely forgot that I changed my due date from the 4th of the month to the 1st. It’s not a big change, but I like having all my bills due at the same time, so I requested it.
What I didn’t realize is that when I requested the change, they would skip the billing date on the 4th and make my next billing date on the following 1st.
Had I requested payments to be due by the 7th, they would have simply put off the bill for 3 days. But since I asked for it earlier in the month, it actually got put off for 28 days.
Readers, will anyone try this move to get an extra few weeks before having to pay the bill? Would you try it around Christmas time? Or do you enjoy the regular cycles and automatic payments?