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Credit Cards & Debt

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Credit Card Reconciles but "To Pay" doesn't match
Hi, YNAB user of many years and it has realy helped me get back on my feet. But!!! Have 4 on budget accounts and 1 off budget - they are all reconciled regularly , including the credit card ,…
- Green Pony
- Green_Pony.8
- 2 mths ago
- 3 replies
- 52
- Green Pony2 mths ago
- Credit Cards & Debt
- Answered
- Answered
Minimum Credit Card Payments and Categories?
One of my cards that is later in my debt snowball had its first automatic payment. In my debit account it’s asking for a category? I have allocated money in my budget to the card but I can’t…
- Forest Green Android
- Forest_Green_Android.14
- 2 mths ago
- 2 replies
- 32
- MarisaYNAB Support2 mths ago
- Credit Cards & Debt
I paid credit card in YNAB--will that show up in real accounts?
Hello, this may be a dumb question. I paid my credit card in YNAB by transferring money from my checking account to my credit card account. I thought it might force the same transaction in my…
- Cobalt Blue
- Artist
- cobalt_blue
- 2 mths ago
- 2 replies
- 49
- 1
- Superbone2 mths ago
- Credit Cards & Debt
Credit card refund
Hi, I recently made an online purchase with a credit card, and then, because the shipping date was after I needed it, I canceled the order and purchased the item elsewhere with a different card.…
- Green Welder
- Green_Welder.19
- 3 mths ago
- 8 replies
- 72
- nolesrule3 mths ago
- Credit Cards & Debt
I am terrified of Getting Off the Float
I started YNAB in July but I really wasn't doing it right. It has taken me a few months to get the hang of it, especially with credit cards. We have one card for me and my spouse that we share.…
- Navy Blue Python
- Navy_Blue_Python.16
- 3 mths ago
- 7 replies
- 205
- 1
- Jeff3 mths ago
- Credit Cards & Debt
credit card refund the next month
I've read several threads about this and still am baffled. Late last month I bought a $30 shirt, budgeted for it, paid the CC. All is good. Early this month I returned said shirt and got a $30…
- cpshaye
- cpshaye
- 3 mths ago
- 1 reply
- 47
- MarisaYNAB Support3 mths ago
- Credit Cards & Debt
Credit cards payment amount
I need a little help here....I've been YNABing for almost a year and it's great! I've noticed one thing....my green credit card payment amount is increasingly less that what I actually owe on my…
- Gray Transistor
- Gray_Transistor.12
- 3 mths ago
- 2 replies
- 61
- MadDog3 mths ago
- Credit Cards & Debt
CC novice
I have been using YNAB for 8mo now and still feel that I don’t understand how it works especially with CC usage. I always pay my CC balance off about 1-2x per month.…
- JollofWarrior
- Mom workaholic
- Cyan_Router.17
- 3 mths ago
- 3 replies
- 77
- RachelYNAB Support3 mths ago
- Credit Cards & Debt
- Answered
- Answered
Pay off a line of debt _from_ a credit card
Hi! I owe $1,000 to some third party, and they charge my credit card for $100 each month. So, the flow looks like Debt ← CC ← Checking I want to be able to assign that $100, and, preferably,…
- Navy Blue Door
- Navy_Blue_Door.14
- 3 mths ago
- 1 reply
- 35
- Yes I can3 mths ago
- Credit Cards & Debt
Closed cc account still in budget
I recently closed a cc account (including in YNAB). It has a zero balance but still shows in my budget under credit card payments. Will that go away or do I need to hide it?…
- Blue Display
- Blue_Display.10
- 3 mths ago
- 3 replies
- 49
- MarisaYNAB Support3 mths ago
- Credit Cards & Debt
Tracking and inputting refinance
Good morning, So I refinanced my home. I rolled in my HELOC as well to clean things up and secure the interest. Here is what I had. HELOC ( Budget Account) Mortgage OLD ( Tracking account).…
- tgpratt
- Overworked CFO of the family
- Salmon_Filly.4
- 3 mths ago
- 3 replies
- 41
- RachelYNAB Support3 mths ago
- Credit Cards & Debt
Dealing with credit card balance transfers
Hi I have just taken a loan on my credit card which has transferred money to by bank account but I'm not sure how to code it in YNAB and all my credit card balances have gone weird.…
- Gray Violin
- Gray_Violin.12
- 3 mths ago
- 6 replies
- 46
- nolesrule3 mths ago
- Credit Cards & Debt
Credit cards for a newbie
I am new to YNAB and have yet to add my credit card accounts either linked or unlinked. I tried but things got complicated. I get the gist of how this is supposed to work,…
- Sky Blue Rhythm
- Sky_Blue_Rhythm.14
- 3 mths ago
- 5 replies
- 76
- farfromtheusual3 mths ago
- Credit Cards & Debt
Temporarily borrowing money from family
I had to make a large expense of about $6500 in September. In order to make the expense I temporarily borrowed money from family. They sent me $5800 in August,…
- Gray Boat
- Gray_Boat.19
- 3 mths ago
- 1 reply
- 70
- DelaYNAB Support3 mths ago
- Credit Cards & Debt
My CC is messed up again
Let me preface this by saying: We pay off our CC a few times a month, never any interest. And no, I didn't have a credit the previous month (learned my lesson on paying ahead);…
- cpshaye
- cpshaye
- 4 mths ago
- 23 replies
- 316
- RachelYNAB Support3 mths ago
- Credit Cards & Debt
Shared credit card
Which can be the best way to account in the following situation? I have a shared credit card with my Dad. I spend an x amount to give him back with a immediate bank transfer (like revolut).…
- Nicolkrit
- Gray_Zebra.10
- 3 mths ago
- 2 replies
- 64
- HedgeMage3 mths ago
- Credit Cards & Debt
Credit Card Payment Issue
I have two different Citibank credit cards that I have set up on autopay to be paid in full each month. My Costco Credit Card autopays at the beginning of the month while my Citibank Cashback Credit…
- Steel Blue Android
- Steel_Blue_Android.6
- 2 yrs ago
- 5 replies
- 74
- Salmon Major3 mths ago
- Credit Cards & Debt
YNAB Assumes Category overage is covered by credit card... why?
YNAB is making some assumptions with category overages are covered that is new, and I don't understand. I over spent my Grocery budget by 18.53 this month. Okay, no biggie.…
- Matchrocket
- Tan_Koala.1
- 2 yrs ago
- 17 replies
- 258
- Ceeses3 mths ago
- Credit Cards & Debt
Another overspending question
Hey everyone, Sorry for another overspending question. I just can't figure out my mistake here. I have a few credit cards I pay off monthly. All accounts are reconciled and posted charges match…
- JSmitty
- warriorcougar
- 4 mths ago
- 4 replies
- 158
- MarisaYNAB Support3 mths ago
- Credit Cards & Debt
Credit Card's Available/Payment Category Is Green, But There Is No Credit Card Balance (CC is Paid In Full)
As you can see, the credit card in question ("Bo's Amazon Credit Card") is paid in full and there is a zero dollar balance showing. This is correct. However, YNAB wants me to pay an additional $9.…
- J. Wellington Wimpy
- I'll gladly pay you Tuesday for a hamburger today.
- J_Wellington_Wimpy
- 2 yrs ago
- 11 replies
- 636
- DelaYNAB Support4 mths ago
- Credit Cards & Debt
Credit Card Balance Rarely Matches Payment Needed
For the past many months, I'm having a persistent issue with one credit card. I pay my card in full (according to the bank's statement) on the due date,…
- Bates Budgeting
- Hot_Pink_Tiger.15
- 4 mths ago
- 4 replies
- 68
- DelaYNAB Support4 mths ago
- Credit Cards & Debt
Overspending Glitch?
I have two accounts in YNAB - Credit and Checking. If I overspent in a category with a checking account transaction, that category would change colors in my budget view with the amount I overspent.…
- Pugalodon
- Turquoise_Boa.14
- 4 mths ago
- 10 replies
- 104
- Pugalodon4 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
- 10 mths ago
- 10 replies
- 237
- RachelYNAB Support4 mths ago
- Credit Cards & Debt
Line of Credit (PayPal Credit)
I need some help wrapping my head around how to document a PayPal Credit purchase in YNAB. I've created the account (linked to PayPal Credit) as a line of credit (LOC) rather than a credit card (CC),…
- Purple Tape
- Purple_Tape.15
- 4 mths ago
- 6 replies
- 65
- RachelYNAB Support4 mths ago
- Credit Cards & Debt
Removing Credit Card Balance from "Ready to Assign"
Hello, I am trying to minimize my credit card spending. But it doesn't help when I see the bloated "Ready to Assign" number. All I want to see is my cash accounts like Debit/Chequing/Saving/etc.…
- Emre
- Aquamarine_Transistor.22
- 4 mths ago
- 2 replies
- 50
- Emre4 mths ago
- Credit Cards & Debt

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