How to enable Javascript

Credit Cards & Debt

Have a question about credit cards? Ask it here. Or post a reply and share your knowledge.

Follow

Credit card mess
Everything was going fine for a month. Credit card payment messed up the whole thing and now I don't know how to trust this budget. I was carrying some balance on my credit card and trying to pay my…
- Cadet Blue Keyboard
- Cadet_Blue_Keyboard.10
- 3 mths ago
- 2 replies
- 71
- WordTenor3 mths ago
- Credit Cards & Debt
Credit card payments
Hi, I am still confused by the credit card payments. My credit card balance is correct but the credit card payment is wrong. I pay my credit card off each month and I thought I started with the…
- Maroon Tape
- Maroon_Tape.9
- 3 mths ago
- 6 replies
- 143
- Slate Blue Pilot (2903ac015cdb)3 mths ago
- Credit Cards & Debt
How to reflect Amex Plan It feature?
So I somewhat impulsively made a $600 purchase, knowing I was not going to pay it off in one go. Instead, I used American Express’s Plan It feature to pay it off over the next 12 months at a fixed…
- Silver Robot
- Silver_Robot.8
- 3 mths ago
- 5 replies
- 119
- RachelYNAB Support3 mths ago
- Credit Cards & Debt
Statement Cash Back?
Hi all, I have been using credit cards for a long time and this is the first time I'm applying my cashback rewards directly to my statement. They never enter my checking account,…
- jmarieb16
- Millennial Budgeting and Living
- jmarieb16
- 3 yrs ago
- 51 replies
- 9,398
- 7
- Herman3 mths ago
- Credit Cards & Debt
- Answered
- Answered
Credit card issues
2 issues: 1. One of my credit cards shows the balance as positive, the other card shows balance in red, which makes more sense. On the first, the numbers themselves are okay and are appearing in the…
- Blue Viper
- Blue_Viper.13
- 3 mths ago
- 8 replies
- 98
- Blue Viper3 mths ago
- Credit Cards & Debt
Credit card and reimbursement to different account
Hi guys. Used YNAB since 2017 and I thought pretty successfully once I mastered it. Just struck an issue currently. Purchased dinner for self and 4 friends on my credit card.…
- rushiec
- I choose forwards!
- rushiec
- 3 mths ago
- 7 replies
- 108
- SgtBatten3 mths ago
- Credit Cards & Debt
- Answered
- Answered
CC Payment and Balance different
Yes, this issue seems to be asked ALOT on this forum and all over the internet. Most times it occurs I can figure out the issue and correct it with no problem. This time, it makes no sense.…
- Sky Blue Camera
- Sky_Blue_Camera
- 3 mths ago
- 3 replies
- 74
- Sky Blue Camera3 mths ago
- Credit Cards & Debt
- Answered
- Answered
I could use help navigating a financial nuance
First month in and struggling with two issues: First, I pay all bills through a credit card, then pay the balance each month. This isn't a "float," I have the money (5x) in checking/savings but I…
- Struggle Bus
- Struggle_bus
- 5 mths ago
- 10 replies
- 162
- DelaYNAB Support5 mths ago
- Credit Cards & Debt
Credit Card Payment Amount Goes Negative
I have a recurring issue in YNAB with my Credit Card payment amount showing as negative right after the bill is paid, and I can't figure out why. That line should purely be for tracking - every…
- ColoradoGirl
- Coloradogirl
- 3 mths ago
- 12 replies
- 121
- ColoradoGirl3 mths ago
- Credit Cards & Debt
Linked Credit Card Spending Creates INFLOW
I finally have my credit card established properly and linked (for my first year i hated how CC accts worked so I just treated mine like a checking account).…
- Maroon Ink
- Maroon_Ink.11
- 3 mths ago
- 1 reply
- 38
- RachelYNAB Support3 mths ago
- Credit Cards & Debt
I am confused by credit card payment
Hello everyone, I am still new to this. I have a credit card that I am paying 40.94. I recently just had a payment post from my checking account to the credit card for the full 40.…
- Cadet Blue Mill
- Cadet_Blue_Mill.12
- 3 mths ago
- 4 replies
- 60
- MadDog3 mths ago
- Credit Cards & Debt
Not sure how to classify Chime Credit Builder transactions on my budget
Hi all, I'm new to YNAB and have a question as I'm assigning all my spending to categories. I use Chime Credit Builder with my Chime Checking Account. Whenever money gets added to my Chime Checking,…
- Cornflower Blue Grizzly
- Cornflower_Blue_Grizzly.14
- 6 mths ago
- 10 replies
- 130
- WordTenor3 mths ago
- Credit Cards & Debt
credit card payment from an untracked account
I have a credit card that is paid out of two accounts: one is tracked and the other is not. The credit card handles the tracked account fine but the untracked account seems more problematic.…
- Navy Blue Nomad
- Navy_Blue_Nomad.1
- 3 yrs ago
- 3 replies
- 288
- NicoleYNAB Support3 mths ago
- Credit Cards & Debt
Budget and Checking Discrepancy
tldr - My budget shows I have money to pay off my cards but my checking account does not have enough available funds. A tale as old as time I'm sure, but I am having an issue with my budget values…
- Aquamarine Mainframe
- Aquamarine_Mainframe.17
- 4 mths ago
- 15 replies
- 116
- DelaYNAB Support3 mths ago
- Credit Cards & Debt
- Answered
- Answered
Why is Ynab categorizing an expense as cash spent when it was a Credit Card expense
And I did enter this CITICARD as a Credit Card account. Thanks!
- Blue Wildcat
- Blue_Wildcat.14
- 3 mths ago
- 31 replies
- 120
- SgtBatten3 mths ago
- Credit Cards & Debt
Credit Card Balance Due Issues
Can someone help me? I am a faithful YNAB user, and count on my money always balancing out at the end of the month. However, my Discover card (which I pay off monthly) payment due on YNAB is…
- Maroon Banjo
- Maroon_Banjo.5
- 3 mths ago
- 2 replies
- 36
- Maroon Banjo3 mths ago
- Credit Cards & Debt
- Answered
- Answered
Paying down Credit Cards (Include Interest In Goals)
I noticed you can setup a "Goal" to pay off your credit cards which is great. Say you have $1,000 and you want to pay it off in 12 months that comes out to $83.33 a month. Here is my issue with this.…
- VoltaicShock
- Voltaicshock
- 3 yrs ago
- 8 replies
- 2,445
- 2
- MatthewYNAB Support3 mths ago
- Credit Cards & Debt
- Answered
- Answered
Cash Spending vs Credit Spending
I'm having an issue with Cash Spending and Credit spending showing up properly in YNAB. Even if the purchase is made on my credit card, it will show up as "Cash Spending" in the far right hand pane.…
- Steel Blue Tape
- Steel_Blue_Tape
- 3 yrs ago
- 35 replies
- 2,103
- 1
- Maroon Foal1 yr ago
- Credit Cards & Debt
- Answered
- Answered
Help me figure out my cc error? (probably easy one!)
Hi. My costco card is something we pay off every month. I've been doing really good and now I've had a hiccup. What do I need to do to fix it? The categories themselves are fully budgeted for both…
- cpshaye
- cpshaye
- 3 mths ago
- 3 replies
- 49
- MatthewYNAB Support3 mths ago
- Credit Cards & Debt
Can't get any accounts to link up or re up old account
Hi, I am having trouble getting existing accounts to link and have current information. Chase accounts especially. Side note can a live person help me with budgeting?
- Aquamarine Crab
- Aquamarine_Crab.2
- 3 yrs ago
- 3 replies
- 147
- 1
- RachelYNAB Support3 mths ago
- Credit Cards & Debt
Credit card never has enough money set aside for payment?
Hi, I'm using a credit card which I pay out in full every month. I assume that every time I register a purchase, this amount of money should always be set aside as payment in the "Credit Card…
- Le Mirador
- Pink_Banjo.8
- 4 mths ago
- 14 replies
- 120
- MatthewYNAB Support4 mths ago
- Credit Cards & Debt
- Answered
- Answered
Credit Card Says Overspent
I'm new to this, but I've read about 30 different posts on the topic of credit cards this week, however, I still can't quite figure this out. So apologies if this is posted elsewhere.…
- Pink Mixer
- Pink_Mixer.7
- 2 yrs ago
- 68 replies
- 2,453
- 1
- Ceeses4 mths ago
- Credit Cards & Debt
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 mths ago
- 8 replies
- 126
- DelaYNAB Support4 mths 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 mths ago
- 4 replies
- 91
- DelaYNAB Support4 mths 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
- 4 mths ago
- 1 reply
- 67
- nolesrule4 mths ago
- Credit Cards & Debt

1 2 3 4 5 53 Next

Have a question about credit cards? Ask it here. Or post a reply and share your knowledge.

Start Your Free YNAB Trial

Important Links

Community Guidelines

Report a Bank Importing Issue

Feature Requests

Top contributors

Help Docs

Still have a question? Want to view the official guide on your topic?

Go to Help Docs