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Credit Cards & Debt

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CC Payment Amount WAY higher than CC balance!
I thought I had CC's figured out but then a few months go by and the 'money set aside for payment' amount IS WAY HIGHER than my actual CC balance. What is going on??…
- Orchid Clarinet
- Orchid_Clarinet.8
- 4 mths ago
- 2 replies
- 57
- RachelYNAB Support4 mths ago
- Credit Cards & Debt
Tracking credit card payment from multiple accounts
My partner and I have recently combined finances. To try to keep things as simple as possible, we are using a joint checking account and my personal credit card on which he is an authorized user.…
- Violet Network
- Violet_Network.14
- 4 mths ago
- 28 replies
- 194
- MarisaYNAB Support4 mths ago
- Credit Cards & Debt
Statement End Dates - Credit Cards
Not a question, just a tip here. I'm in a season of maximizing credit cards for rewards and have several active. I wanted a way to stay organized by statement end date and found a quick way to…
- CarrJar
- carrjar
- 4 mths ago
- 13 replies
- 170
- Raspberry Beret4 mths ago
- Credit Cards & Debt
Using a Flexi-Loan or Credit Card for Savings Until I Pay them Off
I used YNAB years ago and then left - and then recently come back. I understand the main concepts and really love the product and the approach. I have some banking debt accounts that are usually…
- Slartybartfast
- Slartybartfast
- 4 mths ago
- 1 reply
- 45
- Move Light Sound Life4 mths ago
- Credit Cards & Debt
Finding and fixing negative balance categories
I've been reviewing my budget, and as I go through previous months, I've found occasional negative categories. We typically reconcile / balance our budgets monthly,…
- Atomic Robot
- atomic_robot
- 4 mths ago
- 3 replies
- 81
- Atomic Robot4 mths ago
- Credit Cards & Debt
- Answered
- Answered
Credit Card Discrepancy
My credit card "available" balance is $20.20 short of my reconciled balance. I found a business reimbursement expense from my husband for $20.20, but can't figure out how I categorized it…
- Alice Blue Memory
- Alice_Blue_Memory.11
- 4 mths ago
- 2 replies
- 35
- MarisaYNAB Support4 mths ago
- Credit Cards & Debt
Credit Card Overpayment and "Ready to Assign"
Last month, my wife and I accidentally paid our credit card twice. To keep things simple, let's say it was $3,000. We paid the full amount ($3,000) then accidentally paid it in full again (another…
- Atomic Robot
- atomic_robot
- 4 mths ago
- 21 replies
- 274
- 1
- MarisaYNAB Support4 mths ago
- Credit Cards & Debt
- Answered
- Answered
Deleted transaction then telling me I've overspent
Whenever I delete a transaction from my credit card, it says that I've then "overspent" that amount and need to cover it from another category.... When technically I should actually now have that…
- Aquamarine Tugboat
- Aquamarine_Tugboat.1
- 3 yrs ago
- 10 replies
- 650
- 1
- MarisaYNAB Support4 mths ago
- Credit Cards & Debt
- Answered
- Answered
CC balance not right
Hi. I’m used to using credit cards in YNAB and usually have no trouble with it, but a couple of weeks ago, something baffling has happened. I haven’t reconciled my account in a while,…
- Silver Leopard
- Silver_Leopard.17
- 4 mths ago
- 2 replies
- 50
- RachelYNAB Support4 mths ago
- Credit Cards & Debt
Payment Available Amount Larger than Credit Card Balance
Hi everyone- Longtime YNAB user here (since 2016) - and I'm STILL confused about how credit cards work. I thought I had it, and then this month things just went wonky.…
- lfree
- lfree
- 4 mths ago
- 5 replies
- 186
- RachelYNAB Support4 mths ago
- Credit Cards & Debt
My CC is not due the last day of every month
I've had many problems because I could not find actual behavior of YNAB, however now I am beginning to understand one flaw that is sort of the source of almost every misunderstanding.…
- Jeff
- imajeff
- 4 mths ago
- 80 replies
- 448
- NicoleYNAB Support4 mths ago
- Credit Cards & Debt
- Answered
- Answered
Stealing from the future issue/change?
So I'm having fun times with my budget today. My internet bill was higher than expected. It gets autopaid by credit card on ~the last day of the month.…
- Fuzzball Meows
- fuzzballmeows
- 4 mths ago
- 3 replies
- 74
- Fuzzball Meows4 mths ago
- Credit Cards & Debt
Tracking debt not associated with an account?
TL;DR, is there a way for me to track money I will owe as it accumulates when it's not associated with an account I can reconcile? So I'm going to have to go on unpaid leave from my job in the near…
- Fuzzball Meows
- fuzzballmeows
- 4 mths ago
- 11 replies
- 59
- Fuzzball Meows4 mths ago
- Credit Cards & Debt
How do I solve this? Credit card category not matching credit card account
Hi! I have a credit card that I pay off every month. I used to pay off the bill amount every month, but I went ahead and paid down to zero one month, and now I just pay the entire thing off monthly.…
- Aquamarine Unicorn
- Aquamarine_Unicorn.2
- 4 mths ago
- 2 replies
- 55
- nolesrule4 mths ago
- Credit Cards & Debt
Brand New! Need help with credit card budgeting into next month vs this month
Hi all! I have about 10 days left of my trial period and I'm definitely going to take the plunge, but I've got some questions about how the months lay out.…
- amazingpitbull
- amazingpitbull
- 4 mths ago
- 8 replies
- 80
- amazingpitbull4 mths ago
- Credit Cards & Debt
Credit card cleared amount doesn’t match Available? Discrepancy that doesn’t match any purchase.
- Salmon Elk
- Salmon_Elk.19
- 4 mths ago
- 2 replies
- 43
- MarisaYNAB Support4 mths ago
- Credit Cards & Debt
Overpaid credit card and now everything is broke
Ok so I have linked my amazon credit card to YNAB. Had a balance of $173.20 coming due so i set up a bill pay through my bank to pay the full amount. Then I bought more stuff before the bill was due…
- KrypticPhish
- Violet_Barnacle.10
- 4 mths ago
- 21 replies
- 87
- MarisaYNAB Support4 mths ago
- Credit Cards & Debt
Purchase incorrectly linked to credit card
After some help to make sense of why a purchase would appear in my debt. I have a category for books, at the start of the month I made a book purchase and charged it to credit,…
- Ivory Panther
- Ivory_Panther.11
- 4 mths ago
- 7 replies
- 78
- MarisaYNAB Support4 mths ago
- Credit Cards & Debt
Credit Card Payment Amount does not match balance of account
I just noticed a couple of days ago that the payment amount showing for my credit card is $114.90 and the balance according to the register for the account is $128.70.…
- jwehrer
- jwehrer
- 5 mths ago
- 27 replies
- 557
- amazingpitbull4 mths ago
- Credit Cards & Debt
Must Not Understand Breaking CC Float Quickly
Under the section in the most recent blog post by Jesse, in answering the question "Do you want to break the cycle quickly or slowly": If you want to break it quickly, stop paying the card in full.…
- Saish Dawg
- saish_dawg
- 4 mths ago
- 17 replies
- 199
- Bad Mister Frosty4 mths ago
- Credit Cards & Debt
- Answered
- Answered
Credit card budget item issues
Either I'm doing something wrong or I just don't understand how this system is supposed to work, or both. I've watched videos and read other posts and I still don't know. 1.…
- HunkyDory
- Everything I learned about sex I learned from F-Troop
- HunkyDory
- 4 mths ago
- 10 replies
- 107
- MarisaYNAB Support4 mths ago
- Credit Cards & Debt
Credit Card-I don't know how to fix this!
I finally got my partner using YNAB. He is still a work in progress after many months. But he has done something I cannot figure out how to fix or what the hell he has actually done. He has a $1000.…
- Mamba
- mamba
- 5 mths ago
- 5 replies
- 145
- Mamba4 mths ago
- Credit Cards & Debt
Personal Loan for Credit Card PayOff
I took out a personal loan through Lending Club, they offered an option to have my money sent directly to my credit card institution at a lower rate, so I chose that.…
- Forest Green Tiger
- Forest_Green_Tiger.15
- 5 mths ago
- 4 replies
- 99
- RachelYNAB Support5 mths ago
- Credit Cards & Debt
Topping up virtual transit card??
Hi guys, I have this question that I couldn’t wrap my head around the logic behind and am seeking your advice to give a clear picture in what’s happening behind in the context of the YNAB logic.…
- Spring Green Piano
- Spring_Green_Piano.14
- 5 mths ago
- 6 replies
- 78
- RachelYNAB Support5 mths ago
- Credit Cards & Debt
Budgeting Living Off an LOC as a Student
Hi everyone! I am about to go back to school, which I am going to have to (unfortunately) fund through a large line of credit. My question is how I budget during the next four years.…
- Powder Blue Pegasus
- Powder_Blue_Pegasus.10
- 6 mths ago
- 4 replies
- 93
- Powder Blue Pegasus5 mths ago
- Credit Cards & Debt

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