Why most credit cards aren’t due on the 29th, 30th, or 31st

Your credit card issuer sets your payment due date, but you can normally ask for the due date to be changed.

Your credit card payment must always be due on the same day each month. For that reason, most credit card issuers will not allow payment due dates that fall on the 29th, 30th, or 31st day of the month. February only has 29 days during leap years. There are never 30 days in February. There aren’t 31 days in every month.

Aside from 29th, 30th, and 31st day of the month being restricted payment due dates at most credit card issuers, some companies restrict further dates. This is usually done for business reasons. As an example, if a credit card issuer’s customers all had the same payment due date, the issuer would likely not be able to handle the processing of all payments at the same time. They would also have to manage the influx of customer inquiries related to payments.