Thanks for sharing your concern with us, klb70.
The option to asses finance charges with different due dates is not an option in QuickBooks Desktop. You'll have to manually change the due dates to achieve your goal.
You can have this article to learn more about accessing finance charges in QuickBooks Desktop (QBDT): Assess finance charges.
QBO is constantly changing and evolving based largely on the suggestions and requests of users like yourself. For now, I want you to get in the loop about the latest news and product developments in QuickBooks. That said, I encourage you to visit our Firm of the future site. To narrow down your search, you can go to the Product & Industry News tab.
You might also want to visit our QuickBooks Online learning guides for tutorials and webinars about the product.
Get back to me if any additional questions while working with finance charges or any other QuickBooks concerns. I'm always here to help. Have a good one.