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Credit Cards & Debt

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Why is my "to budget" amount more than I have in my bank account?
My bank account and credit card amounts reconciled perfectly. I watched the videos and thought I understood. But I'm confused about starting a new month because my "to budget" amount is more than I…
- Orange Thunder
- Orange_Thunder.18
- 1 mth ago
- 3 replies
- 78
- nolesrule1 mth ago
- Credit Cards & Debt
How to handle Refi?
So I am changing banks and doing a refi - pay off old bank and start a new bank with cash out option, OLD bank has 440K loan in YNAB, the new bank will be 516K - so how do i reflect this in YNAB?…
- Turquoise Hail
- Turquoise_Hail.4
- 1 mth ago
- 10 replies
- 64
- MatthewYNAB Support1 mth ago
- Credit Cards & Debt
Linking Accounts
I am wondering when the ability to link my Capitol One Mastercard will return? I am in Canada and haven't been able to link my account for many months :(
- Tomato Nomad
- Tomato_Nomad.16
- 1 mth ago
- 1 reply
- 17
- MatthewYNAB Support1 mth ago
- Credit Cards & Debt
Credit Card payment from outside account
I know this has been discussed but I'm still confused. My wife made a payment on a credit card that I track in YNAB out of an account that I do NOT track in YNAB.…
- Green Motherboard
- Green_Motherboard.9
- 5 mths ago
- 20 replies
- 155
- MadDog1 mth ago
- Credit Cards & Debt
Budgeted Credit Card Payment from Account Outside of YNAB
It's a long story (which involves divorce) but I have a credit card that is in my NEW budget but the last payment came from an old joint checking account that is NOT in my budget.…
- ukimagic209
- ukimagic209
- 1 yr ago
- 5 replies
- 56
- Green Octopus1 mth ago
- Credit Cards & Debt
- Answered
- Answered
Charge Card shows overpayment when inflow and outflow equal zero
This should be simple arithmetic, but somehow it isn't. Feb accounting starting with zero balance. Payment on 1/27. Statement shows zero balance on 1/29. All transactions are cleared.…
- Cadet Blue Flute
- Cadet_Blue_Flute.6
- 1 mth ago
- 3 replies
- 38
- DelaYNAB Support1 mth ago
- Credit Cards & Debt
Credit card overspending
I just don't get this. I think there's other topics with this issue, and I've read them, but I still am not clicking in on this. I understand how this works.…
- Pickle of the North
- Pickle_of_the_North
- 1 yr ago
- 128 replies
- 1,035
- 1
- DelaYNAB Support1 mth ago
- Credit Cards & Debt
- Answered
- Answered
Not sure how to classify Chime Credit Builder transactions on my budget
Hi all, I'm new to YNAB and have a question as I'm assigning all my spending to categories. I use Chime Credit Builder with my Chime Checking Account. Whenever money gets added to my Chime Checking,…
- Cornflower Blue Grizzly
- Cornflower_Blue_Grizzly.14
- 1 mth ago
- 1 reply
- 28
- WordTenor1 mth ago
- Credit Cards & Debt
Credit Card Balance Never Matches
Every month I have an issue with one of my credit card balances never matching up in YNAB. I pay all of my cards in full at the end of each month, there's never a balance left over yet YNAB never…
- Spring Green Memory
- Spring_Green_Memory.3
- 11 mths ago
- 25 replies
- 584
- Tan Commander1 mth ago
- Credit Cards & Debt
CC "activity" and green "Payment" box not the same
Im sure this has been asked but when I search for it I cant seem to find it. My CC "Activity" is $759.12 The green box under payment is $1037.37 My CC was $0.00 at the beginning of the month.…
- Nicellla
- Nicellla
- 1 mth ago
- 4 replies
- 68
- Nicellla1 mth ago
- Credit Cards & Debt
- Answered
- Answered
Credit Card Purchase vs Budget Balance
I used a credit card for a medical expense this month, and charged it to my "medical" category. It showed up in my Budget as a negative balance (of course).…
- Cadet Blue General
- Cadet_Blue_General.10
- 1 mth ago
- 2 replies
- 48
- Cadet Blue General1 mth ago
- Credit Cards & Debt
Overspending on debit card affecting credit card
I overspent in my dinning out category (on my debit card) for $10.49. When I entered the transaction it showed one of my credit cards as $4.19 underpaid.…
- Nicellla
- Nicellla
- 1 mth ago
- 4 replies
- 134
- MadDog1 mth ago
- Credit Cards & Debt
Why do credits (for stuff I've returned) sometimes show as outflows instead of inflows in my register??
- Kelly H.
- holli6
- 1 mth ago
- 1 reply
- 41
- DelaYNAB Support1 mth ago
- Credit Cards & Debt
Credit Card Outflow/Inflow & Positive/Negative
Hi. I have two issues. First, YNAB credit card account is not tracking budgeted purchases and correspondingly transferring those purchases to the credit card.…
- Green Keyboard
- Green_Keyboard.8
- 8 mths ago
- 11 replies
- 416
- NicoleYNAB Support8 mths ago
- Credit Cards & Debt
Goal Target met, but shows negative balance in the next month
I have a category for debt payments set at 1k goal each month. For this month, the budgeted amount of 1k is met. The budgeted column shows 1k, activity shows -1k,…
- Green Motherboard
- Green_Motherboard.13
- 1 mth ago
- 6 replies
- 62
- 1
- Move Light Sound Life1 mth ago
- Credit Cards & Debt
- Answered
- Answered
I set up my personal loan as a CC, best fix?
I'm a YNAB infant 😂 When I first set up my accounts I added a personal loan I have with USAA as a credit card (oops). I thought maybe this would function in the same way but it doesn't.…
- Jenna
- JDubbs
- 2 mths ago
- 8 replies
- 103
- MadDog1 mth ago
- Credit Cards & Debt
- Answered
- Answered
What to do with old unreconciled transactions?
I normally reconcile my credit card account every couple weeks or so. It's been going along fine, but today for some reason I have a minor discrepancy,…
- Scott
- scott
- 1 mth ago
- 7 replies
- 103
- MatthewYNAB Support1 mth ago
- Credit Cards & Debt
How to cross reference credit card balance with budget
Hi, I imagine this has been answered somewhere, but in reviewing the documentation, I haven't been able to find this exact answer. I pay off our credit card each month,…
- aprice42
- aprice42
- 2 mths ago
- 5 replies
- 93
- Ceeses1 mth ago
- Credit Cards & Debt
Capitol One Difficulty
Having issues connecting to capital one credit card account, i know they had issues with this institution in the pass but what are they still taking place.
- Forest Green Case
- Forest_Green_Case.14
- 1 mth ago
- 1 reply
- 32
- MatthewYNAB Support1 mth ago
- Credit Cards & Debt
Credit Card as EDC in new YNAB
Hey all, first post here. Been using YNAB for a couple years now and it’s helped a ton. A friend recently started using it in January and is having a bit of trouble.…
- Delkancott
- Farmer
- Cornflower_Blue_Cyborg.4
- 1 mth ago
- 1 reply
- 46
- WordTenor1 mth ago
- Credit Cards & Debt
Numbers don't add up after credit card payment
Hi all, I'm having trouble making sense of my remaining available payment total after paying my bill. Here is what it says before I pay my bill: I pay the balance: And this is what YNAB displays:…
- Magenta Filly
- Magenta_Filly.5
- 1 mth ago
- 2 replies
- 106
- Magenta Filly1 mth ago
- Credit Cards & Debt
Can I turn off Credit Card Payments?
I signed up for the free trial of YNAB about three weeks ago and have been getting used to the system. I like the functionality of importing credit card transaction and easily assigning the…
- Slate Gray Battery
- Slate_Gray_Battery.12
- 2 mths ago
- 23 replies
- 206
- 1
- Superbone1 mth ago
- Credit Cards & Debt
Bill credit
I recently traded in a phone and T-Mobile gave me an $80 credit to my T-mobile account, not my checking account. I usually pay around $40 per month for my phone and would like to continue budgeting…
- Gironaso
- gironaso
- 1 mth ago
- 2 replies
- 56
- Gironaso1 mth ago
- Credit Cards & Debt
Another Reason why Credit Card Budgeting is Broken and Confusing.
The following numbers are changed to make math easier. So here's what happened. Near the end of Month 1, I owe $2,000 on a credit card, all from budgeted spending.…
- Silver Android
- Silver_Android.12
- 2 mths ago
- 6 replies
- 185
- MatthewYNAB Support1 mth ago
- Credit Cards & Debt
Temporary (within month) overspend and TBB
I bought something for my daughter a week ago (in Feb) on my credit card, it cost $32. This put the category in overspend. I did not address the overspend in my budget,…
- Psmith
- I always strive, when I can, to spread sweetness and light.
- psmith
- 1 mth ago
- 2 replies
- 60
- Psmith1 mth ago
- Credit Cards & Debt
- Answered
- Answered

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