{"id":20765,"date":"2026-03-11T20:14:07","date_gmt":"2026-03-11T20:14:07","guid":{"rendered":"https:\/\/bonfimnoticias.com.br\/?p=20765"},"modified":"2026-04-19T04:33:29","modified_gmt":"2026-04-19T04:33:29","slug":"fr-escolher-limite-cartao-de-credito-melhor-data-vencimento-cartao-credito-p2","status":"publish","type":"post","link":"https:\/\/bonfimnoticias.com.br\/en\/fr-escolher-limite-cartao-de-credito-melhor-data-vencimento-cartao-credito-p2\/","title":{"rendered":"Step-by-Step Guide on How to Choose the Best Due Date for Your Bill!"},"content":{"rendered":"

Choose the best day for credit card bill due date<\/strong> It requires understanding three essential points: salary payment date, invoice closing date, and purchase cycle<\/strong>See the step-by-step guide to deciding between the days. 05, 15 or 25<\/strong>.<\/p>\n\n\n\n

1. Identify the day you receive your income.<\/h3>\n\n\n\n

The first step is to align the invoice due date<\/strong> with the timing of when your money enters the account. This reduces the risk of Revolving credit interest, late payment charges, and bank fees.<\/strong>.<\/p>\n\n\n\n

    \n
  • Receives salary at the beginning of the month \u2192 due date 05<\/strong>.<\/li>\n\n\n\n
  • Receives salary in the middle of the month \u2192 due date 15<\/strong>.<\/li>\n\n\n\n
  • Receives variable income or payments at the end of the month \u2192 due date 25<\/strong>.<\/li>\n<\/ul>\n\n\n

    2. Understanding Invoice Closing<\/h3>\n\n\n

    Normally the invoice closing<\/strong> it happens around 7 to 10 days before the due date<\/strong>This means that purchases made shortly after closing can earn up to 40 days for payment<\/strong>.<\/p>\n\n\n\n

    This detail is a strategy used by experts in Financial planning and credit card management<\/strong> to extend the payment term without paying interest.<\/p>\n\n\n

    3. Choose the date with the most financial leeway.<\/h3>\n\n\n

    Ideally, you should select a date when your fixed expenses<\/strong> have already been paid. This way you avoid compromising your credit limit<\/strong> and maintains control over expenses, installments and financing<\/strong>.<\/p>\n\n\n\n

      \n
    • Day 5:<\/strong> Best for those who pay bills right after receiving their paycheck.<\/li>\n\n\n\n
    • Day 15:<\/strong> Ideal for balancing monthly expenses.<\/li>\n\n\n\n
    • Day 25:<\/strong> Good for those who want more time to organize their budget.<\/li>\n<\/ul>\n\n\n

      4. Avoid Interest and Improve Your Credit Score<\/h3>\n\n\n

      Maintain the bill payment on time<\/strong> It is essential to avoid high credit card interest rates<\/strong>which may exceed 300% per year<\/strong>Furthermore, regular payments help improve your credit score<\/strong> in credit bureaus such as SPC and Serasa.<\/p>\n\n\n\n

      A good financial history increases your chances of approval in Personal loan, vehicle financing, payroll loan, and credit card limit increase.<\/strong>.<\/p>\n\n\n\n

      Which Day is Most Worth It?<\/h2>\n\n\n\n

      There is no single perfect date for everyone. The best invoice due date<\/strong> It's the one that tracks your cash flow and facilitates full payment without delay. By aligning the due date with your income, you gain more financial control, avoid interest, and improve your financial health.<\/p>","protected":false},"excerpt":{"rendered":"

      Choosing the best due date for your credit card bill requires understanding three essential points: payment date\u2026<\/p>","protected":false},"author":2,"featured_media":20794,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-20765","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cartao"],"_links":{"self":[{"href":"https:\/\/bonfimnoticias.com.br\/en\/wp-json\/wp\/v2\/posts\/20765","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bonfimnoticias.com.br\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bonfimnoticias.com.br\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bonfimnoticias.com.br\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/bonfimnoticias.com.br\/en\/wp-json\/wp\/v2\/comments?post=20765"}],"version-history":[{"count":1,"href":"https:\/\/bonfimnoticias.com.br\/en\/wp-json\/wp\/v2\/posts\/20765\/revisions"}],"predecessor-version":[{"id":20767,"href":"https:\/\/bonfimnoticias.com.br\/en\/wp-json\/wp\/v2\/posts\/20765\/revisions\/20767"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bonfimnoticias.com.br\/en\/wp-json\/wp\/v2\/media\/20794"}],"wp:attachment":[{"href":"https:\/\/bonfimnoticias.com.br\/en\/wp-json\/wp\/v2\/media?parent=20765"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bonfimnoticias.com.br\/en\/wp-json\/wp\/v2\/categories?post=20765"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bonfimnoticias.com.br\/en\/wp-json\/wp\/v2\/tags?post=20765"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}