You Must Be Given Time to Pay Your Bill – CARD Act 2010

Your credit card issuer must mail your billing statement at least 21 days in advance of your due date. You can’t be charged a late fee if your billing statement is not mailed or delivered to you at least 21 days before your credit card payment is due.

You Must Have Time to Pay within the Grace Period

If your credit card balance has a grace period in which you can pay the balance in full and avoid a finance charge, your statement must be mailed or delivered to you at least 21 days before the finance charge would be added to your balance.