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Credit Cards & Debt

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Paying off Apple Card Installments early?
Apple has a deal whereby most electronics purchased in the store using the AppleCard grants you 12 months interest free payments. They automatically setup the monthly amounts.…
- Marcel Wilson
- trenchrats
- 4 mths ago
- 4 replies
- 206
- MatthewYNAB Support2 mths ago
- Credit Cards & Debt
Why does my credit card activity add to my available budget instead of subtracting?
I use my credit card a lot and pay it off every month. So I budgeted $2500 for it. The activity on my card adds to my available column instead of subtracting from it like I would expect.…
- Overthinker
- overthinker
- 1 yr ago
- 9 replies
- 869
- WordTenor2 mths ago
- Credit Cards & Debt
- Answered
- Answered
Reconciling credit card does not affect "To be budgeted"
I just reconciled a credit card that was off by £1.36 (I had spent £1.36 less than I thought). I would expect this to add £1.36 to "To be budgeted". How come this doesn't happen?
- Bert
- covertbert
- 2 mths ago
- 5 replies
- 151
- Bert2 mths ago
- Credit Cards & Debt
- Answered
- Answered
How to pay back a credit card when you don't carry a balance
How do I fix this? In February I spent money on my credit card and assigned it to a category. I knew I could cover the expense in March when I got paid for a project ($700) and when the bill was due.…
- Meghan
- fl_meg
- 3 mths ago
- 4 replies
- 180
- Meghan2 mths ago
- Credit Cards & Debt
- Answered
- Answered
How to track credits on credit card
My credit card reimburses me for certain purchases and I'm wondering what's the better way to flag those credits - as Inflow:To Be Budgeted, or as positive allocations toward the category the…
- Violet Sloth
- Violet_Sloth.10
- 3 mths ago
- 3 replies
- 57
- Fuzzball Meows2 mths ago
- Credit Cards & Debt
- Answered
- Answered
Line of credit advance messing with my budget...
I had get paid on the 30th and I automatically sweep my to be budgeted income to a ‘for next month’ category. I also have a line of credit overdraft facility that just happened to get drawn on on…
- Sea Green Commander
- Sea_Green_Commander.11
- 2 mths ago
- 7 replies
- 168
- Move Light Sound Life2 mths ago
- Credit Cards & Debt
Rolling over spending into the next month
I was just looking at my budget, and I can't figure out if there is a way to do this or not. I thought there was, but I'm not seeing it. If I over spend in a category this month,…
- farfromtheusual
- farfromtheusual
- 2 yrs ago
- 41 replies
- 1,131
- Move Light Sound Life2 mths ago
- Credit Cards & Debt
Credit card showing as underfunded?
After much trial and error, I finally got my credit cards set up so that the amount showing in YNAB matched the amount showing on the credit card sites.…
- Fuzzball Meows
- fuzzballmeows
- 3 mths ago
- 10 replies
- 80
- Fuzzball Meows3 mths ago
- Credit Cards & Debt
Credit Card Payment
I feel like I should be able to figure this out, because I have been using YNAB for many years, but I am stumped. We have multiple credit cards on budget.…
- chicagouser
- chicagouser
- 2 mths ago
- 13 replies
- 150
- MadDog2 mths ago
- Credit Cards & Debt
- Answered
- Answered
Credit cards - should the budgeted amount be equal to current debt?
Right? My current balance on my card is $706 (I owe this much). My last statement balance, the amount I’ll be paying next, is $606. My YNAB green available amount is $530.…
- JHop19
- JHop19
- 2 mths ago
- 2 replies
- 131
- DelaYNAB Support2 mths ago
- Credit Cards & Debt
What Does This Mean?
What does it mean if I reconcile all my transactions, the number in YNAB matches the number in my bank account, but there's one (or more) uncleared transaction(s)?…
- Orchid Mainframe
- Orchid_Mainframe.5
- 3 mths ago
- 7 replies
- 168
- Superbone2 mths ago
- Credit Cards & Debt
Frustrated
I am new to this software and I am trying to put my credit card purchases into my budget as they come from the bank. Trying to put the purchases into the credit card payment category.…
- Steel Blue Mainframe
- Steel_Blue_Mainframe.17
- 2 mths ago
- 4 replies
- 103
- DelaYNAB Support2 mths ago
- Credit Cards & Debt
Credit Card Available in the RED
This keeps happening. SO FRUSTRATING. I do not carry a credit card balance. I pay in full. My credit card is LINKED, so money transfers to the credit card payment category when I purchase something.…
- Orange Snow
- Orange_Snow.9
- 3 mths ago
- 7 replies
- 154
- nolesrule2 mths ago
- Credit Cards & Debt
CC showing "Available Amount For Payment"
Some context: This is my second week using YNAB. I started in the middle of the month so some things, like rent show $0 activity(Not sure if that's where my problem comes from.…
- Cornflower Blue Cartridge
- Cornflower_Blue_Cartridg.15
- 3 mths ago
- 3 replies
- 105
- Cornflower Blue Cartridge3 mths ago
- Credit Cards & Debt
Question on Credit Card Payments
Hello there: i am YNAB newbie and I am already addicted to it within a couple of days! It is absolutely mind blowing in terms of its simplicity and yet at the same time so powerful in enabling a sea…
- Violet Zebra
- Violet_Zebra.15
- 3 mths ago
- 2 replies
- 49
- Violet Zebra3 mths ago
- Credit Cards & Debt
Credit Card Activity Reconciliation / Not Registering Refunds
There is a weird behavior in the CREDIT CARD ACTIVITY register that I can't comprehend. As I understand, BUDGET SPENDING (of the CREDIT CARD ACTIVITY) should track and add all credit spending (so…
- Steel Blue Leopard
- Steel_Blue_Leopard.6
- 3 mths ago
- 3 replies
- 44
- 1
- SgtBatten3 mths ago
- Credit Cards & Debt
Paying off credit card debt with an already budgeted category
Hi everyone, I am new to the YNAB family but I am already really excited about it. I started my YNAB story few weeks ago and I already had debt on my credit card (about 120€).…
- Eyukewe
- eyukewe
- 3 mths ago
- 6 replies
- 76
- Danj023 mths ago
- Credit Cards & Debt
Credit Cards! So confusing
I don't understand why if you overspend in a category using your credit card it then misaligns the budgeted and payment column in the cretdit card row. It's a mess.…
- Violet Thunder
- Violet_Thunder.8
- 3 mths ago
- 4 replies
- 125
- SgtBatten3 mths ago
- Credit Cards & Debt
Linked credit card not showing up in "Credit Card Payments" category
Hey there, So I have a bit of a funny problem. I have a Scotiabank Chequing Account and a Scotiabank Amex card - I've not had any issues linking the accounts to my YNAB.…
- Silver Cartridge
- Silver_Cartridge.2
- 1 yr ago
- 9 replies
- 279
- DelaYNAB Support3 mths ago
- Credit Cards & Debt
Payment from another source
I'm in the process of getting divorced, and there is one credit card account that is still shared between me and my ex. I zelle him money each month and then he makes the payment.…
- Cadet Blue Leopard
- Cadet_Blue_Leopard.21
- 3 mths ago
- 4 replies
- 74
- Superbone3 mths ago
- Credit Cards & Debt
AMEX Impossible to Reconcile
Hi! I am into my third month with YNAB and struggling to keep my AMEX card reconciled. I pay my card off every month but most expenses go on it. I always budget for the spending or cover the…
- Rogue06
- ROGUE06
- 3 mths ago
- 4 replies
- 86
- MatthewYNAB Support3 mths ago
- Credit Cards & Debt
Need help with credit cards
I am having trouble figuring out why my "record payment" amount on the accounts page and the "available payment" amount on the budget page are above my current card balance (shown on the left column…
- Green Jackal
- Green_Jackal.12
- 3 mths ago
- 4 replies
- 75
- 1
- DelaYNAB Support3 mths ago
- Credit Cards & Debt
Credit confusion
I transferred $300 from a credit account A to a checking account B (categorized as a transfer) (EDIT: TBB did not change!), then I transferred $300 from a savings account C to the same credit…
- Magenta Cup
- Magenta_Cup.13
- 3 mths ago
- 8 replies
- 73
- Magenta Cup3 mths ago
- Credit Cards & Debt
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
- 3 mths ago
- 3 replies
- 106
- nolesrule3 mths 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
- 4 mths ago
- 10 replies
- 67
- MatthewYNAB Support3 mths ago
- Credit Cards & Debt

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