Definitely not a simple solution:
Closing date for all cards starting from the 16th-17th of the month, and spaced out over a week or two until the last few days of the month.
I save the 1st and beginning of the month specifically for rent / mortgage.
The calculation is:
2 salary household - one paycheck comes bi-monthly, and the other weekly. Paycheck on the 1st goes straight towards rent. the other paycheck(s) until the 15th go to savings, and general non ccard spending and to partial weekly payments to ccards.
15th paycheck and weekly paychecks thereafter go to ccard bills due from the 17th on.
this keeps my major ccard payments to the 2nd half of the month without having to worry about rent. This also gives me a chance to get another "weekly" paycheck in prior to the due date.
another reason not to have the same due date for all cards is simply logistics. I utilize the amount of time i have for free credit, i.e. the billing cycle / due date. on standard card you have around 30 days for the cycle and then 15-20ish days to pay in full. Specifically on AMEX charge card you have until the following cycle closing date to pay in full. Therefore you can have close to 60 days to pay for an item if bought at the beginning of the cycle---Hence my reason for spacing out the closing / due dates of several cards, giving me the ability at almost any point to be close to the beginning of the cycle.
(FYI a VR purchase on an AMEX charge card that is paid immediately back to the AMEX with bluebird acct, will extend the amounts due on the card to the following cycle, giving you even more time to pay. BEWARE of the high revolving credit this can cause.)
