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Credit Cards & Debt

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Payment to CC in spending telling me I need a category
I have my CC under tracking not budget. When I add a payment to my credit card (with the money sitting in my cc category for my budget). I use to just pick transfer/payment click on the appropriate…
- Slate Gray Yeti
- Slate_Gray_Yeti.7
- 2 mths ago
- 2 replies
- 53
- MatthewYNAB Support2 mths ago
- Credit Cards & Debt
Citi Card unlinked
Anyone else having problems linking their Citi Cards? Mine has been unlinked for almost 4 days.
- Stringcheese
- stringcheese
- 2 mths ago
- 1 reply
- 51
- MatthewYNAB Support2 mths ago
- Credit Cards & Debt
positive number on credit card
OK, y'all have helped me get my fresh start back on track last month. All was good until right now. We got a refund from a pre-paid purchase on a cancelled cruise put back on the credit card,…
- cpshaye
- Steel_Blue_Hammerhead.9
- 2 mths ago
- 5 replies
- 86
- 1
- cpshaye2 mths ago
- Credit Cards & Debt
Credit card payment category throwing off TBB
We use credit cards as much as possible for the rewards, pay the statement balance in full each month, and spend within our budget. Income is deposited to our checking account and credit cards are…
- Alan
- alanferg
- 2 mths ago
- 10 replies
- 95
- MadDog2 mths ago
- Credit Cards & Debt
Should I retroactively enter credit card transactions?
Hi. First, I manually enter all transactions. It keeps me more accountable. However, I neglected to enter transactions for a credit card for almost a year and now my YNAB balance is $750 less than…
- Magenta Display
- Magenta_Display.16
- 2 mths ago
- 4 replies
- 57
- Magenta Display2 mths ago
- Credit Cards & Debt
- Answered
- Answered
Credit Cards - Budgeting Catergories VS Fixed Amount
Hello YNABers! I would like some thoughts/suggestions on how to handle the following: I have a set amount that is charged to my CCs every month. I spread this out to maximize on reward points.…
- LEMie
- Khaki_Thunder.11
- 2 mths ago
- 2 replies
- 41
- LEMie2 mths ago
- Credit Cards & Debt
Credit card payoff/interest mess! Please Help;)
I am a brand new Ynabber as of six weeks ago and this is my first time posting. I am so looking forward to any/all thoughts on my issue! THANK YOU in Advance!! I'll try to keep this simple:…
- Jennibug
- Green_Sidewinder.8
- 2 mths ago
- 5 replies
- 94
- MadDog2 mths ago
- Credit Cards & Debt
Credit Card Transaction Missing from Payment Amount
So there I am, humming along, entering transactions into YNAB trusting money is being transferred from the appropriate budget category to the payment amount each time.…
- marzbars
- MTv didn't tell me the Real World would be like this.
- marzbars
- 2 mths ago
- 1 reply
- 26
- DelaYNAB Support2 mths ago
- Credit Cards & Debt
I give up on credit cards
I've been a YNAB user since before the cloud version (when you had to sync via dropbox.) My wife and I use cash-back rewards cards for everything, and pay them off in-full at the end of every month…
- Cornflower Blue Packet
- Cornflower_Blue_Packet.10
- 2 mths ago
- 20 replies
- 426
- 1
- nolesrule2 mths ago
- Credit Cards & Debt
Closing the Loop On Credit Card Return Credit
This scenario has been bugging me for most of the past year, and I still do not have a straightforward resolution. It always becomes more acute around this time of year,…
- WhoMovedMyCheese
- WhoMovedMyCheese
- 2 mths ago
- 13 replies
- 132
- WhoMovedMyCheese2 mths ago
- Credit Cards & Debt
pre-excising Credit card balance
I really don't get it and need a very short answer. I have look and searched but don't see what I'm looking for. I currently have a large balance on my credit card which I am paying off,…
- Violet Mainframe
- Violet_Mainframe.4
- 2 mths ago
- 3 replies
- 38
- WordTenor2 mths ago
- Credit Cards & Debt
Available amount on Credit Cards
Hi, I’m really not understanding how to think about the available amount on the credit card account. Can someone explain how to think about these screenshots? Given these amounts,…
- Blue Sander
- Blue_Sander.12
- 2 mths ago
- 12 replies
- 105
- WordTenor2 mths ago
- Credit Cards & Debt
- Answered
- Answered
How to deal with a starting balance on credit cards
I've read and watched videos about credit cards in YNAB, and, like others, don't think it's straight forward. I understand the basic concepts - that an expense in a category in the budget will add…
- Cornelius Gemstone
- cornelius
- 1 yr ago
- 14 replies
- 1,269
- 3
- Tan Stallion2 mths ago
- Credit Cards & Debt
More Credit Card Confusion
I know CC questions get asked a lot ... I still get confused though. YNAB flagged my last two cash transactions from my checking account using my bank card / debit card as being paid for with credit.…
- Raven Claw
- caw caw caw
- ravenclaw
- 2 mths ago
- 2 replies
- 92
- Raven Claw2 mths ago
- Credit Cards & Debt
- Answered
- Answered
Credit card transactions not importing
Two of the credit cards I use have not been importing transactions for close to a month now. MBNA Canada and American Express. This is a feature I depend heavily on.…
- Tomato Major
- Tomato_Major.1
- 2 yrs ago
- 11 replies
- 705
- 1
- Maroon Elk2 mths ago
- Credit Cards & Debt
Handling credit card payments from more than 1 checking account
I have 3 different checking accounts for various reasons so I have created a separate budget for each one in YNAB. At times, I might make a payment to my credit card from any one of those accounts…
- Shara
- Budget_master.1
- 2 mths ago
- 14 replies
- 138
- Shara2 mths ago
- Credit Cards & Debt
How to set up a HELOC in YNAB
Good evening fellow YNAB'ers. So We are embarking on a home improvement project that we have been saving for for the past year. I have about 50% of the project saved for (Thanks to YNAB) and will be…
- tgpratt
- Overworked CFO of the family
- Salmon_Filly.4
- 2 mths ago
- 3 replies
- 124
- tgpratt2 mths ago
- Credit Cards & Debt
Credit Card Interest and Multiple Cards
I'm a newbie and I'm struggling a bit with credit cards. I've watched all the videos and read the articles and I'm still not 100% clear on some things. I have 3 credit cards.…
- Alcarinque
- alcarinque
- 2 mths ago
- 11 replies
- 120
- MadDog2 mths ago
- Credit Cards & Debt
Not clear how YNAB is managing the positive balance in my CC
Hello folks! I'm doing some testing to understand how YNAB manages the positive CCs balances. I have read other topics around that explain how it works,…
- apocalepsis
- apocalepsis
- 2 mths ago
- 20 replies
- 150
- Move Light Sound Life2 mths ago
- Credit Cards & Debt
Fresh start question
I did a fresh start Jan. 1. Too bad it's not easy to get the finances to cooperate! 1. On Jan 1 I had a positive balance on my cc d/t paying for a couple of things that were still "pending" at the…
- cpshaye
- Steel_Blue_Hammerhead.9
- 2 mths ago
- 6 replies
- 103
- dakinemaui2 mths ago
- Credit Cards & Debt
To Be Budgeted shows weird amount in red when I add money to CC
Ok, Up front, I don't have a screen grab for any of this. I will if it happens again. I deposited $500 in my checking account. Entered it in ynab. I decided to put it towards a cc.…
- Navy Blue Koala
- Navy_Blue_Koala.3
- 3 mths ago
- 2 replies
- 76
- DelaYNAB Support2 mths ago
- Credit Cards & Debt
What causes a credit card's "Budgeted" column to be positive/negative if I always budget for it in full?
Hi! While working on some other YNAB entries today, I noticed that some months have a positive or negative "Budgeted" column for our credit cards. My wife and I always budget for our cards in full…
- Matt Boomer
- mattboomer
- 2 mths ago
- 4 replies
- 94
- dakinemaui2 mths ago
- Credit Cards & Debt
Does anyone have experience using services from National Debt Relief?
I am not advocating for this company; just curious to see if anyone has ever used their services and what the outcome was. And just to clarify - I'm not talking about programs aimed at debt relief,…
- DnA
- IT manager, husband, father, YNAB podcast listener
- Navy_Blue_Cup.2
- 1 yr ago
- 6 replies
- 219
- DnA1 yr ago
- Credit Cards & Debt
- Answered
- Answered
Used Cashback to Purchase Item
Hey you guys, When purchasing an item on Amazon, I accidentally used by cashback rewards to purchase the item and I 'm not sure how to track this spending.…
- Green Jackal
- Green_Jackal.12
- 2 mths ago
- 7 replies
- 99
- 1
- dakinemaui2 mths ago
- Credit Cards & Debt
- Answered
- Answered
Credit card transactions failed to import for 2 months, except for balance payments: how to reconcile?
YNAB failed to connect to my CC account between early November and mid-January. I use this CC for a bunch of monthly subscriptions that were thus paid for,…
- Turquoise Crab
- Turquoise_Crab.11
- 2 mths ago
- 6 replies
- 72
- dakinemaui2 mths ago
- Credit Cards & Debt

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