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Credit Cards & Debt

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Brand New! Need help with credit card budgeting into next month vs this month
Hi all! I have about 10 days left of my trial period and I'm definitely going to take the plunge, but I've got some questions about how the months lay out.…
- amazingpitbull
- amazingpitbull
- 1 mth ago
- 8 replies
- 76
- amazingpitbull4 wk ago
- Credit Cards & Debt
Credit card cleared amount doesn’t match Available? Discrepancy that doesn’t match any purchase.
- Salmon Elk
- Salmon_Elk.19
- 4 wk ago
- 2 replies
- 41
- MarisaYNAB Support4 wk ago
- Credit Cards & Debt
Overpaid credit card and now everything is broke
Ok so I have linked my amazon credit card to YNAB. Had a balance of $173.20 coming due so i set up a bill pay through my bank to pay the full amount. Then I bought more stuff before the bill was due…
- KrypticPhish
- Violet_Barnacle.10
- 4 wk ago
- 21 replies
- 75
- MarisaYNAB Support4 wk ago
- Credit Cards & Debt
Purchase incorrectly linked to credit card
After some help to make sense of why a purchase would appear in my debt. I have a category for books, at the start of the month I made a book purchase and charged it to credit,…
- Ivory Panther
- Ivory_Panther.11
- 1 mth ago
- 7 replies
- 70
- MarisaYNAB Support4 wk ago
- Credit Cards & Debt
Credit Card Payment Amount does not match balance of account
I just noticed a couple of days ago that the payment amount showing for my credit card is $114.90 and the balance according to the register for the account is $128.70.…
- jwehrer
- jwehrer
- 1 mth ago
- 27 replies
- 321
- amazingpitbull1 mth ago
- Credit Cards & Debt
Must Not Understand Breaking CC Float Quickly
Under the section in the most recent blog post by Jesse, in answering the question "Do you want to break the cycle quickly or slowly": If you want to break it quickly, stop paying the card in full.…
- Saish Dawg
- saish_dawg
- 1 mth ago
- 17 replies
- 193
- Bad Mister Frosty1 mth ago
- Credit Cards & Debt
- Answered
- Answered
Credit card budget item issues
Either I'm doing something wrong or I just don't understand how this system is supposed to work, or both. I've watched videos and read other posts and I still don't know. 1.…
- HunkyDory
- Everything I learned about sex I learned from F-Troop
- HunkyDory
- 1 mth ago
- 10 replies
- 105
- MarisaYNAB Support1 mth ago
- Credit Cards & Debt
Credit Card-I don't know how to fix this!
I finally got my partner using YNAB. He is still a work in progress after many months. But he has done something I cannot figure out how to fix or what the hell he has actually done. He has a $1000.…
- Mamba
- mamba
- 1 mth ago
- 5 replies
- 143
- Mamba1 mth ago
- Credit Cards & Debt
Personal Loan for Credit Card PayOff
I took out a personal loan through Lending Club, they offered an option to have my money sent directly to my credit card institution at a lower rate, so I chose that.…
- Forest Green Tiger
- Forest_Green_Tiger.15
- 1 mth ago
- 4 replies
- 91
- RachelYNAB Support1 mth ago
- Credit Cards & Debt
Topping up virtual transit card??
Hi guys, I have this question that I couldn’t wrap my head around the logic behind and am seeking your advice to give a clear picture in what’s happening behind in the context of the YNAB logic.…
- Spring Green Piano
- Spring_Green_Piano.14
- 1 mth ago
- 6 replies
- 76
- RachelYNAB Support1 mth ago
- Credit Cards & Debt
Budgeting Living Off an LOC as a Student
Hi everyone! I am about to go back to school, which I am going to have to (unfortunately) fund through a large line of credit. My question is how I budget during the next four years.…
- Powder Blue Pegasus
- Powder_Blue_Pegasus.10
- 2 mths ago
- 4 replies
- 90
- Powder Blue Pegasus2 mths ago
- Credit Cards & Debt
Where did my assignable money go?
So I'm reconcilling my credit card statement and I notice I got a cashback from the credit card company - great! So whilst in the middle of reconcilling I pause and add a new transaction for the…
- Dave Allen
- Software Developer
- Sea_Green_Zebra.6
- 1 mth ago
- 3 replies
- 91
- Cash1 mth ago
- Credit Cards & Debt
Horrible system to learn how to use credit cards with
I cannot for the life of me figure out credit cards!!!! I had my accounts all reconciled, my budget side matched my account balances - then I tried to pay down a credit card with money I had…
- Beige Device
- Beige_Device.17
- 1 mth ago
- 9 replies
- 203
- Fuzzball Meows1 mth ago
- Credit Cards & Debt
Setting up payment of existing car loan
Hello my kind fellow budgeters. So, I've been going around this forever and I feel like I've never gotten it right. I'm hoping someone can walk me through the right way.…
- Pickle of the North
- Pickle_of_the_North
- 1 mth ago
- 10 replies
- 84
- Pickle of the North1 mth ago
- Credit Cards & Debt
- Answered
- Answered
Category for Starting Balance
I created a credit card in YNAB some days ago and imported a QIF file from my bank and only later noticed that my Starting Balance now asks me to select a category instead of saying "Category not…
- Ingo
- ingos11
- 2 yrs ago
- 24 replies
- 851
- RachelYNAB Support1 mth ago
- Credit Cards & Debt
CREDIT CARD PAYMENT TO LINKED ACCOUNT NOT SHOWING
I'm 12 days into my trial period and enjoying YNAB. I have linked all accounts. My concern - I linked a Costco CITI Credit Card. I paid the balance in full (about $2000) from my linked checking…
- Green Inspector
- Green_Inspector.7
- 1 mth ago
- 11 replies
- 89
- CPA Budgeter1 mth ago
- Credit Cards & Debt
Woah, things got confusing when adding a credit card! How do I figure this out?
Does YNAB offer one-on-one coaching, because I do not see how this can be explained how how I can understand. But here it goes. So we decided to start paying all our bills and shopping with our…
- Forest Green Violin
- Forest_Green_Violin.9
- 1 mth ago
- 87 replies
- 223
- MarisaYNAB Support1 mth ago
- Credit Cards & Debt
Help finding credit card cleared balance
I'm really struggling to understand the credit card balance and wanted to learn properly about it before reconciling. (Did it wrong in the previous budgets, so starting over...…
- ElectricPotatoes
- electricpotatoes
- 1 mth ago
- 19 replies
- 130
- 1
- Move Light Sound Life1 mth ago
- Credit Cards & Debt
Chase still not syncing?
My chase card won't sync and it's been a couple of weeks since it has. It says imports delayed with that little wrench icon. I select it and it says successfully linked but still won't import.…
- Green Wrench
- Green_Wrench.1
- 1 mth ago
- 4 replies
- 59
- MarisaYNAB Support1 mth ago
- Credit Cards & Debt
Brand New and confused
Hello. I literally just set up my budget last week and am trying to find my footing. I have watched a million videos and thought I had a basic understanding of what I was doing until today.…
- shannankat
- shannan_kat
- 1 mth ago
- 4 replies
- 154
- farfromtheusual1 mth ago
- Credit Cards & Debt
Statement Credits (ex. Pay Yourself Back with Chase)
It took me a minute to figure out how to enter a statement credit. Here's an example of how I enter in a Pay Yourself Back with Chase, both a statement credit and an annual fee.…
- CarrJar
- carrjar
- 1 mth ago
- 5 replies
- 84
- CarrJar1 mth ago
- Credit Cards & Debt
DEEP DIVE: When does a Credit Card return count in "Payments & Returns"?
Alright folks, this is a deep dive. I'm really struggling with understanding credit cards in YNAB. More specifically I'm struggling with when YNAB considers a "return" official enough to count…
- Gray Commander
- Gray_Commander.8
- 1 mth ago
- 10 replies
- 113
- MarisaYNAB Support1 mth ago
- Credit Cards & Debt
Budget expenses used by credit card aren't transferring in budget
Why aren't my credit card expenses transferring in the budget from their expense category to the credit card column for activities?
- Ivory Piranha
- Ivory_Piranha
- 1 mth ago
- 1 reply
- 44
- nolesrule1 mth ago
- Credit Cards & Debt
How to zero out loans I paid off but was tracking
I recently paid off my 2 car loans (woo-hoo!) that I was tracking in YNAB. Meaning, i had them in the tracking section and i had my bank acct linked to those loans too.…
- Flame's Edge
- flamesej
- 2 mths ago
- 6 replies
- 112
- Flame's Edge2 mths ago
- Credit Cards & Debt
- Answered
- Answered
Still confused about "budgeted", "activity" and "available".
I've watched all the videos but I'm still confused about "budgeted", "activity" and "available". Can anyone explain it to me in a super easy way? Feeling dumb 😪
- Navy Blue Falcon
- Navy_Blue_Falcon.3
- 2 yrs ago
- 42 replies
- 2,507
- 5
- WordTenor1 mth ago
- Credit Cards & Debt

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