How to enable Javascript

Credit Cards & Debt

Have a question about credit cards? Ask it here. Or post a reply and share your knowledge.

Follow

Escrow Changes and New Loan Account Mgmt
My lender has advised me that due to my taxes going up, my escrow is going up to compensate starting with Feb '22's payment. My question: when do I adjust the Account Details on the Loan Account to…
- Luckton
- Tier 6 Key Turner by day, tech support by night
- Slate_Gray_Pilot.13
- 1 mth ago
- 1 reply
- 68
- DelaYNAB Support1 mth ago
- Credit Cards & Debt
- Answered
- Answered
Credit card Available Payment does not match actual balance
My amount available for payment is less than the card balance and I can't for the life of me figure out why. I went back through all budget months to see if there was any overspending or other…
- tobiv
- tobiv
- 3 yrs ago
- 16 replies
- 5,554
- 6
- Violet Screwdiver1 mth ago
- Credit Cards & Debt
Paycheck Deduction Loan Activity?
I wanted to try out a Loan Account for my truck, which is financed with my work credit union and has bi-weekly payments directly deducted from my check.…
- Magenta Sun
- Magenta_Sun.7
- 1 mth ago
- 6 replies
- 46
- DelaYNAB Support1 mth ago
- Credit Cards & Debt
Mortgage loan
Can anyone outline how this actually works? - the online library info is sparse and vague. I've seen some posts saying that the way it calculates interest doesn't work for all types of mortgage - so…
- MiniMum
- Blue_Thunder.4
- 1 mth ago
- 6 replies
- 105
- SixSpeedDriver1 mth ago
- Credit Cards & Debt
Chase Bank Transactions Not Showing
About a week and a half ago, my Chase Bank CC transactions became delayed. They were delayed for about 6 days. I decided to "unlink" the CC account and relink it.…
- Aquamarine Cornet
- Aquamarine_Cornet.2
- 1 mth ago
- 1 reply
- 21
- MarisaYNAB Support1 mth ago
- Credit Cards & Debt
introduction and CC question
Hey guys, new here and first post! I am shopping for a new budget app. I have been using Everydollar from Dave Ramsey with a lot of success but now it isn't working well for us.…
- Steel Blue Wildebeest
- Steel_Blue_Wildebeest.14
- 1 mth ago
- 3 replies
- 58
- RachelYNAB Support1 mth ago
- Credit Cards & Debt
End of month Credit Card confusion
I leave my credit card column alone, as it automatically tracks transactions and payments. But at the end of the month (last night) for reconciliation,…
- Cornflower Blue Moose
- Cornflower_Blue_Moose.10
- 1 mth ago
- 5 replies
- 116
- MarisaYNAB Support1 mth ago
- Credit Cards & Debt
- Answered
- Answered
Credit Card purchases listed as inflow
I'm having the same issue that another user had: https://support.youneedabudget.com/t/h7hfvmt/linked-credit-card-spending-creates-inflow Several entries are imported as inflow.…
- Mathew Snyder
- Person First Class
- insane_overlord
- 1 mth ago
- 1 reply
- 40
- MarisaYNAB Support1 mth ago
- Credit Cards & Debt
Buying a gift card with a credit card
I asked this question on Reddit but thought I'd ask here as well: Situation: on Wednesday I bought a $100 gift card we intend to use ourselves. I paid for it with a credit card.…
- Slate Gray Inspector
- Slate_Gray_Inspector.1
- 1 mth ago
- 3 replies
- 66
- DelaYNAB Support1 mth ago
- Credit Cards & Debt
Paying Minimum on 1 CC , Use Extra On Another CC?
I have 2 Credit Cards I'm trying to pay off. The Chase card is interest free until August 2022. The balance is higher than my other CC. Let's say my Chase card is due $100 a month with a $40.…
- Kyle Brennan
- Kylebrennan
- 2 mths ago
- 3 replies
- 64
- DelaYNAB Support2 mths ago
- Credit Cards & Debt
Mortgage tracking in New Loan Type
I always followed my Mortgage as a Tracking Account, and just reconciled once a month with the current balance to keep it up to date. With the new Loan Accounts,…
- Maroon Lobster
- Maroon_Lobster.9
- 2 mths ago
- 2 replies
- 60
- 1
- Maroon Lobster2 mths ago
- Credit Cards & Debt
- Answered
- Answered
I don't get credit card refunds
I have watched the video over and over, and still--what? Why does the CC payment category go red if I get a refund after I've paid the balance? The money that I've been refunded doesn't stop…
- Maroon Falcon
- Maroon_Falcon.7
- 1 yr ago
- 38 replies
- 1,674
- 3
- Tango2 mths ago
- Credit Cards & Debt
How do you categorize CC outflow and inflow?
I know I have been through this before, probably multiple times, with YNAB. But we just got back on the bandwagon after being off it for quite awhile and I can not remember-- How do you categorize…
- Masha
- masha
- 2 mths ago
- 1 reply
- 41
- MarisaYNAB Support2 mths ago
- Credit Cards & Debt
CC Transaction Issue
A few months ago I purchased something on my cc and reconciled said cc. Recently was looking at my cc and noticed the charge pop up again. I hadn't ordered anything from the vendor so checked my…
- aohara
- aohara
- 2 mths ago
- 3 replies
- 38
- RachelYNAB Support2 mths ago
- Credit Cards & Debt
How do you reconcile the Amazon card?
I have been battling my Amazon card ever since I started using YNAB. It is very difficult to reconcile perfectly. I have the account linked. I learned one tip is to buy each item separately.…
- jacobacro
- When you budget you tell your money where to go. When you do not budget you wonder where it went.
- Cornflower_Blue_Cleric.5
- 4 mths ago
- 7 replies
- 235
- Sky Blue Cello2 mths ago
- Credit Cards & Debt
Owing a bit of cash for just a day or two
This is about owing money just briefly, e.g. you forgot your wallet, a friend payed for you, etc. Here's what happened and how I put it in YNAB. I'm not sure I did it right:…
- Blue Wizard
- Blue_Wizard.14
- 2 mths ago
- 2 replies
- 82
- DelaYNAB Support2 mths ago
- Credit Cards & Debt
Loans Feature: makes me create a new category for each account payment?
Hey all! I am trying to add my accounts that I'm paying down using the new feature. Admittedly I was nerdily anticipating its release and even started over with a new budget to implement it.…
- Raspberry Beret
- Tan_Case.9
- 2 mths ago
- 2 replies
- 102
- 2
- MarisaYNAB Support2 mths ago
- Credit Cards & Debt
I will give up on YNAB if I can't understand credit cards.
Seriously, I am about to give up on YNAB because I can't figure out the credit card function. I pay my card off every month. Why do I have a positive amount in activity?…
- Gold Jackal
- Gold_Jackal.13
- 4 mths ago
- 82 replies
- 1,000
- 1
- JR2 mths ago
- Credit Cards & Debt
Convert Credit Card account to Loan account
We have a mastercard that we did a 0% interest balance transfer onto for the next year. We don't spend on that card otherwise. What's the easiest way to convert this to one of the new Loan accounts…
- Tomato Orca
- Tomato_Orca.20
- 2 mths ago
- 1 reply
- 47
- MarisaYNAB Support2 mths ago
- Credit Cards & Debt
Advice on helping somebody into the YNAB world (and world of budgeting)
Came back to the top to write how sorry I am about how long this turned out. I was not expecting this, so buckle up, and thanks if you make it through. Hello, YNAB community.…
- theBrokeCarpenter
- Carpenter
- Gray_Piranha.17
- 2 mths ago
- 4 replies
- 94
- 1
- DelaYNAB Support2 mths ago
- Credit Cards & Debt
Credit Card Budget allways off
I don´t know why, but my credit card budget is allways off. I´ve set up a credit card account and there is a credit card budget. As far as I know the credit card budget should auto update when I add…
- Olaf72
- Tomato_Captain.5
- 2 mths ago
- 4 replies
- 80
- DelaYNAB Support2 mths ago
- Credit Cards & Debt
Rolling over Credit Card Next Month's Credit Payment
I thought that however much I overspend in credit for the month of October will be the amount I need to assign in my credit card payments in November. However,…
- Beige Moose
- Beige_Moose.6
- 2 mths ago
- 3 replies
- 46
- NicoleYNAB Support2 mths ago
- Credit Cards & Debt
Adding secondary credit card to YNAB
Hi everyone. My girlfriend recently got me a secondary card for her Amex gold (fee paying credit card) account so that we can both generate points and don’t have to pay a second fee or go through…
- Supermaj
- supermaj
- 2 mths ago
- 5 replies
- 48
- MarisaYNAB Support2 mths ago
- Credit Cards & Debt
- Answered
- Answered
Mastercard payment excess amount
I just paid of my credit card, so my Mastercard is now at 0 EURO, however I see theres 581,88 EURO assigned to this category, is it safe to assume this can be moved to my "Ready to assign?…
- Pilfton
- Orchid_Drill.1
- 2 mths ago
- 1 reply
- 21
- nolesrule2 mths ago
- Credit Cards & Debt
Loan Accounts and Balloon Payments
Yes, I know. But I was young and foolish and really liked the car. Never again. But my question is if a balloon payment can be added to the Loan Account so that it can be tracked more accurately?
- Cadet Blue Wrench
- Cadet_Blue_Wrench.10
- 2 mths ago
- 1 reply
- 35
- nolesrule2 mths ago
- Credit Cards & Debt

1 2 3 4 5 56 Next

Have a question about credit cards? Ask it here. Or post a reply and share your knowledge.

Start Your Free YNAB Trial

Important Links

Community Guidelines

Report a Bank Importing Issue

Feature Requests

Top contributors

Help Docs

Still have a question? Want to view the official guide on your topic?

Go to Help Docs