Most credit card issuers will let you choose your payment due date. Here are some good reasons to make a change.

Home equity loans and HELOCs have lower interest rates than credit cards, encouraging some homeowners to use them to pay off their bills.

Raina is a contributor to Forbes Advisor specializing in credit cards. She previously worked as a staff editor for CNET Money and NextAdvisor With Time (which merged with CNET Money in 2023 ...