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Credit Cards & Debt

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Balance out of date
We're just getting started and already disconcerted. One of our AMEX account shows in the YNAB portal as having been checked in the last 13 hours yet it does not report our last two payments which…
- Sea Green Admiral
- Sea_Green_Admiral.16
- 2 mths ago
- 4 replies
- 105
- LaurenYNAB Support2 mths ago
- Credit Cards & Debt
Problem with imported transaction/credit card payment
My bank has cleared a 213.78 payment from my checking acct to my Amex card. My Amex card account reconciles with the item cleared, but when I clear it in my checking account,…
- Cadet Blue Android
- Cadet_Blue_Android.12
- 2 mths ago
- 6 replies
- 147
- Cadet Blue Android2 mths ago
- Credit Cards & Debt
Credit card balance vs amount in payment changes over time
I use two rewards credit cards for a large amount of spending, but account for all of the spending. Can someone explain why my CC balance and my "payment balance" drift apart over time?…
- jamorgan3777
- jamorgan3777
- 2 mths ago
- 16 replies
- 241
- 1
- dakinemaui2 mths ago
- Credit Cards & Debt
Credit card refund with no category
I know this question has been asked a million times BUT Im confused... I purchased something on my credit card before I started using YNAB. I returned it after signing up for YNAB and setting up my…
- Nicellla
- Nicellla
- 2 mths ago
- 12 replies
- 172
- Move Light Sound Life2 mths ago
- Credit Cards & Debt
Stick to $0 to be budgeted or pay-off debt and be in the red?
We're 15 days into our YNAB journey and we've got about $10k in credit card debt. We're about 10 days away from starting to pay interest on it. Right now I've got two options.…
- Turquoise Piano
- Turquoise_Piano.10
- 2 mths ago
- 16 replies
- 217
- MXMOM2 mths ago
- Credit Cards & Debt
Double dipping in budget screen?
So YNAB as a whole has made me cry twice. I feel like the absolute dumbest person on earth, have started over twice, watch all kinds of "helpful" things,…
- Turquoise Gazelle
- Turquoise_Gazelle.14
- 2 mths ago
- 3 replies
- 138
- DelaYNAB Support2 mths ago
- Credit Cards & Debt
Positive Balance on Credit Card
Hi there- I am just setting up accounts and starting with YNAB My credit card has a positive balance. I paid off the card plus $230. How do I enter that?…
- Khaki Battery
- Khaki_Battery.15
- 2 mths ago
- 3 replies
- 64
- Khaki Battery2 mths ago
- Credit Cards & Debt
- Answered
- Answered
Cancelled Pending Credit Card Transactions
I have a pending credit card transaction that I know will be cancelled/dropped and not cleared. If I accept it - and then once bank drops/removes the pending transaction (e.…
- Aquamarine Motherboard
- Aquamarine_Motherboard.11
- 2 mths ago
- 6 replies
- 63
- DelaYNAB Support2 mths ago
- Credit Cards & Debt
Weird dollar figure showing on credit card category
So no idea why but YNAB added an amount to the credit card for no reason. The card is paid in full and I don't have any pending transaction associated with it.…
- Pink Yeti
- Pink_Yeti.7
- 2 mths ago
- 3 replies
- 64
- dakinemaui2 mths ago
- Credit Cards & Debt
Budgeted Credit card payment then paid it. All messed up now.
So I treated the credit card category the same as any other one and I guess that was wrong. I have my last two payments as available. But I've already paid them. My balance is all messed up now.
- Pink Koala
- Pink_Koala.12
- 3 mths ago
- 20 replies
- 163
- Superbone3 mths ago
- Credit Cards & Debt
Chime credit builder
Hi, I’m using a chime credit builder card to assist with my credit. I’ve tried adding the account as a credit card, although it appear that isn’t the best option here.…
- Gray Gazelle
- Gray_Gazelle.7
- 1 yr ago
- 37 replies
- 7,619
- Slate Gray Sound3 mths ago
- Credit Cards & Debt
Pay card off in full the next month
My card gets paid off in full on the 2nd of the following month. So for example all spending in January gets paid on Feb 2nd. What's the best way to handle this in YNAB? Thanks!
- Slate Gray Flute
- Slate_Gray_Flute.11
- 3 mths ago
- 2 replies
- 96
- dakinemaui3 mths ago
- Credit Cards & Debt
CC Balance Transfer to Pre-YNAB account doesn't update Budget balance owning - help!
I am using the desktop version v4.3.857 I set up a Pre-YNAB account two years ago for an outstanding loan and it created a budget category that has worked well to pay down the debt.…
- Lavender Major
- Lavender_Major.10
- 3 mths ago
- 4 replies
- 44
- Lavender Major3 mths ago
- Credit Cards & Debt
Unable to use "Pay off balance" goal after fresh start
Yay Jan 1! I did a fresh start, and found that for 1 linked credit card where I want to set a goal for paying it off later, the category doesn't have the correct balance (not sure if this is a…
- Slate Gray Cup
- Slate_Gray_Cup.7
- 3 mths ago
- 9 replies
- 105
- Annieland3 mths ago
- Credit Cards & Debt
- Answered
- Answered
Going back and changing credit card setup
How do you go back and change the setting on your credit when you skipped that option during set up.; i.e. budgeting to pay the balance off
- Ivory Hammerhead
- Ivory_Hammerhead.3
- 2 yrs ago
- 10 replies
- 517
- dakinemaui3 mths ago
- Credit Cards & Debt
Credit card set up for new user - importing prior month transactions?
Hi. I set up my small business and personal budgets and linked accounts as a new user. My business credit card has a $2100 balance that's due January 4 that I'll pay in full.…
- Blue Kitty
- blue_kitty
- 3 mths ago
- 2 replies
- 47
- dakinemaui3 mths ago
- Credit Cards & Debt
How do you enter an unbudgeted Credit Card Expendidture
My laptop died unexpected and unbudgeted for. RIP. So, I had to buy another one immediately, spending several hundred pounds on my credit card . I have decided to pay this back in instalments over…
- Cornflower Blue Sun
- Cornflower_Blue_Sun.10
- 3 mths ago
- 5 replies
- 125
- dakinemaui3 mths ago
- Credit Cards & Debt
Credit cards - budget does not reflect correctly
Hello - my wife and I have 4 credit cards on our YNAB budget. All of them are unlinked and manual input all transactions. We have been experiencing issues with our Old Navy and American Express…
- ColeEO7
- Cole_eo7
- 3 mths ago
- 6 replies
- 120
- MatthewYNAB Support3 mths ago
- Credit Cards & Debt
Help setting up/configuring a (floating) Credit Card
Here be dragons; this is a loong post. It helped me a lot to organize my thoughts around how I'm using YNAB, and therefore I decided to keep it that way.…
- pablox
- PaBLoX
- 3 mths ago
- 40 replies
- 283
- 1
- dakinemaui3 mths ago
- Credit Cards & Debt
- Answered
- Answered
Credit Card with Positive Balance throwing off my account
Help! My one credit card has a positive balance of $180 (from a return). Total charges for this month are $550. Credit card balance is $350 (I'm ball parking amounts here).…
- Irene O
- Salmon_Cobra.13
- 3 mths ago
- 7 replies
- 126
- DelaYNAB Support3 mths ago
- Credit Cards & Debt
Transactions not Showing in Credit payment category
I have problem with transactions not reflecting to credit card payment category. Any Idea how to fix this
- Steel Blue Stallion
- Steel_Blue_Stallion.7
- 3 mths ago
- 2 replies
- 47
- WordTenor3 mths ago
- Credit Cards & Debt
Credit Card question: Available amount
Hi. I use my credit card as a daily payment method (apple pay, supermarket etc.) and always pay it at full at the end of the month (thats an automatic process).…
- Cadet Blue Griffin
- Cadet_Blue_Griffin.10
- 3 mths ago
- 25 replies
- 161
- dakinemaui3 mths ago
- Credit Cards & Debt
Payments to Credit Card from External
Hi, ive recently been converted from YNAB 4 to the new online one, and so far it’s been great... except credit cards! I think I have worked it all out except one thing.…
- Green Boa
- Green_Boa.16
- 3 mths ago
- 4 replies
- 100
- dakinemaui3 mths ago
- Credit Cards & Debt
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
- 61 replies
- 2,246
- 1
- dakinemaui3 mths ago
- Credit Cards & Debt
Silly question about credit cards
I am always getting tripped up inYNAB with my credit cards. I know basically how they work as you spend. We Pay our credit cards off every month so that part isnt a problem.…
- Lee2lee
- Lee2lee
- 3 mths ago
- 15 replies
- 133
- dakinemaui3 mths ago
- Credit Cards & Debt

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