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Credit Cards & Debt

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Double counting credit card purchases?
I apologize in advance as I know this has been asked before, but I am still having trouble understanding this concept. I try using my credit cards for every payment I make as I pay off my credit…
- Sky Blue Vacuum
- Sky_Blue_Vacuum.11
- 4 wk ago
- 8 replies
- 96
- DelaYNAB Support3 wk ago
- Credit Cards & Debt
Money Not Going to Budgeted Section of Credit Card
How come none of the money I have budgeted is going to the budgeted tab for my credit card? I am budgeting money appropriately then when I get charged on my credit card,…
- Pink Lobster
- Pink_Lobster.11
- 4 wk ago
- 4 replies
- 90
- DelaYNAB Support3 wk ago
- Credit Cards & Debt
Budgeting ahead -> Saving vs Credit card payment
Ok, I have a question about how YNAB handles credit card payments. I have a lot of debt, and it's obvious I'm not going to repay it all before a few years but I'm paying a bit every month to lower…
- Georges
- georgesdimitrov
- 1 mth ago
- 1 reply
- 65
- nolesrule4 wk ago
- Credit Cards & Debt
CC balance off, transaction edit isn't reflected in budget
Hey, So I'm curious about something. I reconciled my CC yesterday morning and have entered transactions (3) since then manually, but today the CC balance is way off.…
- Tulip OHare
- Eating a lot of peaches
- tulip_ohare
- 1 mth ago
- 2 replies
- 52
- Tulip OHare1 mth ago
- Credit Cards & Debt
- Answered
- Answered
Apple Card Payment
I may or may not be budgeting this correctly, but I figured I'd ask here first. I have my savings and checking account as a linked account to YNAB. I created an unlinked account for my Apple Card…
- SpellChucker
- Khaki_Wildebeest.16
- 1 mth ago
- 2 replies
- 53
- SpellChucker1 mth ago
- Credit Cards & Debt
Yet another CC question
Been using YNAB for a couple of years, and love it. I've never felt I totally understood how CCs work, but it's been reliable in YNAB, so I've just trusted it.…
- William Spencer
- Hot_Pink_Wrench.12
- 1 mth ago
- 29 replies
- 160
- nolesrule1 mth ago
- Credit Cards & Debt
Credit card payment amount
Every month, my wife and I get 3 paychecks. I get paid monthly and she gets paid bimonthly. Every month, I budget every single one of those dollars and pennies to our various budget categories.…
- Christoph Boget
- christoph
- 1 mth ago
- 10 replies
- 54
- MatthewYNAB Support1 mth ago
- Credit Cards & Debt
Credit Card split between months
I have read several of the threads on Credit Cards but haven't quite found the issue I think I'm having. I'm a few months into YNAB and learning new things as I go.…
- cornflower_blue_cobra. 13
- Cornflower_Blue_Cobra.13
- 1 mth ago
- 4 replies
- 65
- Fuzzball Meows1 mth ago
- Credit Cards & Debt
YNAB Credit Cards Feature is going to send be back to Mint
I have been using ynab for probably 8 years now. Its helped me a lot and I swear by it. But the credit card system is killing me. I pay off my credit cards about twice a month to make sure nothing…
- Green Colt
- Green_Colt.10
- 6 mths ago
- 17 replies
- 356
- 1
- Slate Blue Elk1 mth ago
- Credit Cards & Debt
Temporarily storing money in credit cards
Imagine I have $2000 right now that I plan on spending in 6 months for a trip. I put that money into my credit card debt so that I can avoid paying interest for those months.…
- Indigo Comet
- indigo_comet
- 1 mth ago
- 3 replies
- 137
- Ceeses1 mth ago
- Credit Cards & Debt
Credit Card Spending at The End of The Month
Normally when I use my credit card I budget the categories properly so that the card can be paid right back. At the end of April however, we had an emergency which caused some credit card spending…
- Philsboy
- Orange_Network.11
- 1 mth ago
- 9 replies
- 141
- Vibrant1 mth ago
- Credit Cards & Debt
New to YNAB
Hi Everyone, super excited to have found YNAB. May is my first month and I am in the extremely lucky position to already have this month covered/budgeted for.…
- Jay Melv
- Welding the best Oranges.
- Orange_Welder.10
- 1 mth ago
- 3 replies
- 65
- MatthewYNAB Support1 mth ago
- Credit Cards & Debt
Amex not linking
We just switched from Chase Sapphire to Amex Platinum... but Amex won't sink with YNAB... whats the deal?
- Forest Green Screwdiver
- Forest_Green_Screwdiver.13
- 1 mth ago
- 1 reply
- 11
- Annieland1 mth ago
- Credit Cards & Debt
Credit Card Payment Amount Too High
My AMEX currently has a zero balance. When entering my grocery transaction of $86.21 for the week I noticed it shows a payment amount of $75 (at top of AMEX budget page in green meaning money is…
- Contented Apple
- Purple_Wildcat.13
- 1 mth ago
- 1 reply
- 144
- Move Light Sound Life1 mth ago
- Credit Cards & Debt
Credit Card Interest Confusion
After playing with this for three months, I am beyond frustrated. It shows $#### available but in my own bank account I dont see $#### available. I use to work primary with excel and have different…
- Coral Filly
- Coral_Filly.6
- 2 mths ago
- 5 replies
- 177
- RachelYNAB Support2 mths ago
- Credit Cards & Debt
- Answered
- Answered
How to remove credit card and it's debt
I no longer want to have the credit card as an account. It's a closed card and I simply want it to be in the debt category and submit payments. I was able to put it in the debt category just fine,…
- Pink Boa
- Pink_Boa.14
- 1 mth ago
- 1 reply
- 54
- MatthewYNAB Support1 mth ago
- Credit Cards & Debt
shall I close the account?
Hello! Hi Guys. I wanted to ask before I do any harm to my budget. SO I am happy to say that I have stopped using one of my credit cards. I have paid it full and I would love to get rid of it.…
- mlssn
- mlssn
- 1 mth ago
- 7 replies
- 292
- MatthewYNAB Support1 mth ago
- Credit Cards & Debt
Credit card payment question
Hi folks, I'm a couple of months into my YNAB journey and I have a query about credit card payments. Today is payday. I've covered my essentials but I've not fully allocated all my other category…
- Green Captain
- Green_Captain.13
- 2 mths ago
- 6 replies
- 95
- Ceeses2 mths ago
- Credit Cards & Debt
Overpaid on credit card and now the bank is reversing it. What should we do next?
We (my wife and I) accidentally overpaid on one of our credit cards. We paid $70.03 more than we owed, so we now have $70.03 in “To Be Budgeted” and the credit card account is red for $70.…
- Matt Boomer
- mattboomer
- 2 mths ago
- 6 replies
- 164
- Matt Boomer2 mths ago
- Credit Cards & Debt
Credit Card Monthly budget
Hello I have a 0% interest credit card I am planning to pay at X dollars each month until its paid off before the interest start to accrue. This account was not able to link to my typical YNAB…
- Elizabeth
- Tan_Piranha.14
- 2 mths ago
- 2 replies
- 71
- DelaYNAB Support2 mths ago
- Credit Cards & Debt
4 months in Credit Card Availability is 4x more than owed
I have credit card that initially when I came on, I budgeted to pay off the balance on it but I pay off my statement every month. I set a goal for the day its due and add the amount every month to…
- Khaki Tiger
- Khaki_Tiger.17
- 2 mths ago
- 2 replies
- 92
- DelaYNAB Support2 mths ago
- Credit Cards & Debt
Do I manually delete CC transactions if I use "Record Payment" method?
I was reading this blog post about handling credit cards: https://www.youneedabudget.com/how-to-manage-credit-cards-in-ynab/ So I looked at the green payment label on top right as the article says…
- Gold Crab
- Gold_Crab.8
- 2 mths ago
- 5 replies
- 129
- MatthewYNAB Support2 mths ago
- Credit Cards & Debt
Credit Card Interest on Carried Debt
I carry a significant amount of credit card debt from a few years ago. I've been slowly paying it off but my low income until now has made it difficult to make much progress.…
- Gray Viper
- Gray_Viper.14
- 4 mths ago
- 5 replies
- 139
- 1
- Gray Viper2 mths ago
- Credit Cards & Debt
Best way to enter in benefit repayments?
For my medical expenses, I commonly use my credit card to pay for them. When I submit the expense to my benefit company, the refund comes into my bank's checking account.…
- Ivory Drill
- Ivory_Drill.11
- 2 mths ago
- 2 replies
- 35
- Ceeses2 mths ago
- Credit Cards & Debt
How to reconcile when debt consolidation paid cards directly?
Hello! I got a loan to consolidate my credit cards from a credit agency. They paid my credit cards directly. No money touched my checking account until they sent me the little bit that was was left.…
- Steel Blue Packet
- Steel_Blue_Packet.8
- 2 mths ago
- 2 replies
- 129
- Fabiooltje2 mths ago
- Credit Cards & Debt

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