Rich- Is there anyway I can change the dates?? - Ask Rich / Money 101

JustinsWifey1118 · 02-12-2009, 06:17 PM

Rich, Our payments get taken out 2 days before our payday, is there anyway I could call them and ask them to change the dates that they take the payments out on? Because when they take it out before the payday, when payday comes we are in the negatives and it's really been bugging me.
I forgot to mention that USAA is the one that gets taken out.

itsalwaysme · 02-15-2009, 10:15 PM

Just call and ask, lots of times they will do it.

rcwant2be · 02-15-2009, 10:28 PM

Originally Posted by JustinsWifey1118

Rich, Our payments get taken out 2 days before our payday, is there anyway I could call them and ask them to change the dates that they take the payments out on? Because when they take it out before the payday, when payday comes we are in the negatives and it's really been bugging me.
I forgot to mention that USAA is the one that gets taken out.

that is SUPER bad. you can call & see about getting your payment day switched...but you may just need to readjust your spending habits. for instance, all my major payments used to come out of my first check of the month, but now they have to come out of my second. made things tight for me for a month...but then i was fine.

SammaJamma · 02-15-2009, 11:48 PM

Can you do anything online??? I have payments that come out automatically as well...but I can change the dates online..through USAA

Rich Lunsford · 02-16-2009, 03:52 PM

There is indeed a way to change the day the amount is drafted as payment to your credit card. If USAA is the credit card, then call USAA first. They should be able to change the date to whichever day per month you choose. My colleagues in the bank tell me that you can change the date online at www.usaa.com . Select your Credit Card account, and then on the right side of the page, choose View More Services. Then select Change Payment Date. Or, give them a call at 1-800-531-8722.

Thanks for the question.

JustinsWifey1118 · 02-17-2009, 10:44 AM

well no our car loan and payments are made to usaa and they get it taken out on the first and 15th, well to be exact they take it out on the like 30th and the 13th and we'll have like 100 somethin dollars in the bank and if they would take it out on the 15th then we wouldnt be in the negatives... heres an example..

bank acct shows we have 153 dollars on jan 29, jan 30th rolls around and we have -100 somethin then payday comes and we have to pay off that overdrafted amount plus the fee of 35 dollars.. DH told me they told him they couldn't do it, i know for fact they can i just dont know if i have the access to his acct to have them change the date. we dont have a bad spending habit. i didnt mean it as after paycheck has been deposited we're in the negatives. SORRY!! hope i made it more clear..

02-12-2009, 06:17 PM	#1 (permalink)
JustinsWifey1118 Senior Member Join Date: Dec 2008 Location: Hinesville,GA/Ft.Stewart Posts: 488 Classifieds: (0) Activity: 0% Longevity: 16%	Rich- Is there anyway I can change the dates?? Rich, Our payments get taken out 2 days before our payday, is there anyway I could call them and ask them to change the dates that they take the payments out on? Because when they take it out before the payday, when payday comes we are in the negatives and it's really been bugging me. I forgot to mention that USAA is the one that gets taken out. __________________ Your Avon Representative for Fort Stewart, GA www.youravon.com/ambrosiadowns

02-16-2009, 03:52 PM	#5 (permalink)
Rich Lunsford Junior Member Join Date: Aug 2008 Posts: 46 Classifieds: (0) Activity: 0% Longevity: 22%	There is indeed a way to change the day the amount is drafted as payment to your credit card. If USAA is the credit card, then call USAA first. They should be able to change the date to whichever day per month you choose. My colleagues in the bank tell me that you can change the date online at www.usaa.com . Select your Credit Card account, and then on the right side of the page, choose View More Services. Then select Change Payment Date. Or, give them a call at 1-800-531-8722. Thanks for the question. __________________ Need some money advice? USAA’s Rich Lunsford is here to help. Whether its investment advice, mortgages, college finances or deployments, he’s your money coach for any question you may have so just “Ask Rich!” Click here to submit your question to CERTIFIED FINANCIAL PLANNER™ Rich Lunsford or participate in the discussion.

02-17-2009, 10:44 AM	#6 (permalink)
JustinsWifey1118 Senior Member Join Date: Dec 2008 Location: Hinesville,GA/Ft.Stewart Posts: 488 Classifieds: (0) Activity: 0% Longevity: 16%	well no our car loan and payments are made to usaa and they get it taken out on the first and 15th, well to be exact they take it out on the like 30th and the 13th and we'll have like 100 somethin dollars in the bank and if they would take it out on the 15th then we wouldnt be in the negatives... heres an example.. bank acct shows we have 153 dollars on jan 29, jan 30th rolls around and we have -100 somethin then payday comes and we have to pay off that overdrafted amount plus the fee of 35 dollars.. DH told me they told him they couldn't do it, i know for fact they can i just dont know if i have the access to his acct to have them change the date. we dont have a bad spending habit. i didnt mean it as after paycheck has been deposited we're in the negatives. SORRY!! hope i made it more clear.. __________________ Your Avon Representative for Fort Stewart, GA www.youravon.com/ambrosiadowns

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02-15-2009, 10:15 PM	#2 (permalink)
itsalwaysme I'm lucky I'm in love with my best friend. Join Date: Mar 2008 Location: San Diego Posts: 4,917 Classifieds: (3) Activity: 30% Longevity: 28%	Just call and ask, lots of times they will do it.