We will be sharing information about changing the credit card account cut date , how the account cut date changes, how the account cut date is determined, how there is a link between the account cut date and the last payment date. Turkey has 25 million active credit card used. According to recent research, there is information available that 1 in 5 people use a credit card. When this happens, these credit card users may have some usage-related problems. One of them could be changing the account cut date . We may need to change this date because our credit card account cut-off date may contradict our planned payments. So how to change the account cut date? Information about changing credit card account cut date.
What is the Account Cut Date?
Account cut-off date is considered as the date when credit card usage is determined. As the credit card users will know, the bank will provide you with a statement after the use, and this statement will include your periodical usage and expenses. The date on which the payment date of these expenditures is determined is determined by the account cut date. The statement period is the corresponding period between the two account cut dates. Your spending from one account cut-out date to the other cut-out date indicates that the credit card must be paid by the due date .
You may have difficulty in making payments if the credit card account cut-off date and due date is a period that is contrary to your scheduled dates. On the other hand, since credit card payment delays will be considered as one of the most important factors that directly affect your credit rating, changing the account cut-off date can be seen as one of your natural rights and these transactions are quite simple. Every bank can change your account cut-off date in a short time because it gives importance to user satisfaction. However, this process may be reflected on your statement late due to dates .
Account Cut Date Change How To …
As we mentioned in the first part of the article, changing the account cut date is a very easy process. If your account cut-off date and deadline date do not match and you have cash problems between these periods, you can change the account cut-off date of your credit card very easily and ensure that transactions are made. There are many options for changing the account cut-off date, and we’ve listed them for you below.
- Change to Branch
You can go to the bank branch where you worked and tell them you want to change your account cut date. You can directly tell the customer representative which date you want your account cut date to be and ensure that the transaction is performed. However, this is one of the most preferred methods because it is very likely that the transactions will take longer because they will request petitions and documents for the transactions you will go to the bank branches.
- Exchange with Mobile and Internet Banking
If you’re using mobile or internet banking, this is the fastest way to change account cut dates. During this period, when the banks developed themselves digitally, you can update your account cut date in a very short way by entering the credit card menu in internet banking. This is the shortest and easiest way to change account cut dates.
- Changing Customer Service by Calling
Another method would be to call your bank’s customer service. Since there are still customers who do not use internet banking today, you can make transactions by calling customer service instead of going to branches. Considering that they do not use internet banking on credit cards used by retirees, making a change by calling customer service can be described as an easy method.
How should the account cut date be set?
Since the account cut-off date is one of the factors determining the payment date, it is one of the dates that should be considered. If you are applying for a new credit card , you must make your payment plan and choose the most appropriate cut-off date before you choose your cut-off date. If you set the cut-off date and the due date without planning, you may have difficulty with future payments and cause your credit rating to fall. You should also keep in mind that credit cards have serious determinants in their credit ratings .
Credit Card Without Income Certificate
Since banks set their account cut dates so that they can be selected by users, they will ask you the preferred date range during your credit card application . If you apply online, you can also select the range of account cutoff dates from the corresponding menus. If you have set the account cut-off date at the time of application, but you later find it unsuitable, you can change your account cut-out date by taking the options outlined above.