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Have a question about credit cards? Ask it here. Or post a reply and share your knowledge.
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  • Category for Starting Balance

    I created a credit card in YNAB some days ago and imported a QIF file from my bank and only later noticed that my Starting Balance now asks me to select a category instead of saying "Category not…
    • Ingo
    • ingos11
    • 1 yr ago
    • 8 replies
    • 551
    • FanessYNAB Support2 mths ago
    • Credit Cards & Debt
  • Question about paying for a large dental bill with credit card since I don't have the $ right now

    To make a long story short I am going to have to have major dental work done on November 3rd and I do not have the money to pay all of what is required up front.…
    • Hot Pink Horse
    • Hot_Pink_Horse.12
    • 2 mths ago
    • 5 replies
    • 135
    • dakinemaui2 mths ago
    • Credit Cards & Debt
  • Can you help a newbie out with credit card questions?

    So I am switching over all my budgeting to YNAB. I have budgeted for years with the Free EveryDollar. How I have done my budget in the past was I would just input all my receipts for the month when…
    • Rachel Murphy
    • Youth Leadership Coach
    • Blue_Unicorn.16
    • 2 mths ago
    • 4 replies
    • 113
    • dakinemaui2 mths ago
    • Credit Cards & Debt
  • Still so confused about credit cards

    So, if my credit cards and bank accounts are LINKED....I should NOT enter any transactions? I think I read somewhere that if I do, YNAB will recognize it is a duplicate and remove it...…
    • Orange Snow
    • Orange_Snow.9
    • 2 mths ago
    • 10 replies
    • 137
    • PS2 mths ago
    • Credit Cards & Debt
  • I paid my credit card balance twice resulting in a credit balance.

    I accidentally paid my credit card balance twice, once through the credit card website, and another time through my bank's bill pay. It resulted in a credit balance of $88.94.…
    • Slate Blue Banjo
    • Slate_Blue_Banjo.7
    • 1 yr ago
    • 13 replies
    • 227
    • dakinemaui2 mths ago
    • Credit Cards & Debt
  • Monthly Credit Card Payoff

    When I set up YNAB I was given the option of paying off my credit card in full (likely setting an automatic goal of the entire balance by the payment date?).…
    • Silver Screwdiver
    • I like to screw things up.
    • Silver_Screwdiver.2
    • 9 mths ago
    • 7 replies
    • 130
    • dakinemaui2 mths ago
    • Credit Cards & Debt
  • Credit Card payment from outside account

    I know this has been discussed but I'm still confused. My wife made a payment on a credit card that I track in YNAB out of an account that I do NOT track in YNAB.…
    • Green Motherboard
    • Green_Motherboard.9
    • 2 mths ago
    • 12 replies
    • 108
    • bret2 mths ago
    • Credit Cards & Debt
  • HELP! Avoid Debt or Build True Expenses

    We've just been trying to put out fires in our budget. I restarted with YNAB last month after an awful August and September. We drained our savings and true expense categories to pay for $2,…
    • lindsfin
    • Navy_Blue_Python.14
    • 2 mths ago
    • 13 replies
    • 159
    • 2
    • PhysicsGal2 mths ago
    • Credit Cards & Debt
  • How do you handle chargebacks?

    Hello - just a quick question how you all handle chargebacks on credit cards. What I mean by these are refunds that journal when the original charge occurred instead of the refund processing date.…
    • Hot Pink Mainframe
    • Hot_Pink_Mainframe.4
    • 2 mths ago
    • 2 replies
    • 47
    • Saish Dawg2 mths ago
    • Credit Cards & Debt
  • Link Citibank Sears Mastercard

    I cnnot seem to find the coorect route to link my sears branded citibank mastercard to YNAB. I emailed the YNAB support and did not get an answer back...maybe I wasnt clear enough with my question.…
    • Olympic_place
    • Olympic_place
    • 2 mths ago
    • 2 replies
    • 17
    • Olympic_place2 mths ago
    • Credit Cards & Debt
  • Credit card/Funds TBB

    Having made yet anther fresh start I seem to have a head scratching problem.... or maybe it's my Fri head. My funds TBB are in red by the starting balance of my credit card,…
    • Violet Carpenter
    • Violet_carpenter
    • 2 mths ago
    • 1 reply
    • 39
    • RocketBran2 mths ago
    • Credit Cards & Debt
  • Handling cash reimbursements for CC transactions

    Hi everyone I paid for two transactions on my credit card: AirBNB payment of $390. My friend reimbursed $195 to my savings account . Hotel payment for my Mum of $213.…
    • Pat C
    • aiming4ff
    • 3 mths ago
    • 10 replies
    • 77
    • Pat C2 mths ago
    • Credit Cards & Debt
  • Money transfer interest free period running out soon

    Hi! I have had an Aqua classic credit card for a while, 6 months ago they offered me a 6 month interest free money transfer, so I did this several times across 2-3 months totalling £800.…
    • Lavender Tape
    • Lavender_Tape.11
    • 2 mths ago
    • 1 reply
    • 34
    • 1
    • FanessYNAB Support2 mths ago
    • Credit Cards & Debt
  • Handling credit card payment for a linked account from a non-YNAB account

    Hi, I've been using YNAB for over a year now but I'm stumped on how to handle an "outside" credit card payment. My wife paid off our credit card (linked in YNAB) from one of her business accounts,…
    • Jason E
    • Pink_Falafel.3
    • 1 yr ago
    • 7 replies
    • 179
    • 1
    • Tan Nomad2 mths ago
    • Credit Cards & Debt
  • Advice on how deal with debit collecters

    Hi, everyone I am new to this. I hope I'm doing this right. My mother passed away about nine days ago. She had Alzheimer's and later developed lung cancer and congested heart failure.…
    • Pink Pony
    • Pink_Pony.10
    • 3 mths ago
    • 12 replies
    • 160
    • MXMOM2 mths ago
    • Credit Cards & Debt
  • Overspent for Credit Card not making sense

    I just added a credit card account to YNAB. What it's showing for "overspent" makes no sense to me. The physical CC account had a balance of 10.71, which YNAB correctly sensed when I created the…
    • Veloz
    • Steel_Blue_Grizzly.7
    • 2 mths ago
    • 5 replies
    • 114
    • bret2 mths ago
    • Credit Cards & Debt
  • Two Credit Cards with the same bank

    Hello, I have two credit cards with Capital One, both using the same log in information. I got CC2 about a year after getting CC1. YNAB displays CC1 transactions without a problem,…
    • Lavender Piranha
    • Lavender_Piranha.8
    • 1 yr ago
    • 8 replies
    • 160
    • 1
    • FanessYNAB Support2 mths ago
    • Credit Cards & Debt
  • Yet another question about "Available Payment" on CCs

    How is my "payment available" more than my balance? My categories reflect what I currently have budgeted for various things, but until they actually show up as a CC charge,…
    • Erica
    • EricaM
    • 3 mths ago
    • 15 replies
    • 149
    • MXMOM2 mths ago
    • Credit Cards & Debt
  • Credit Card payment from outside source

    I know this has been discussed before but just want to confirm as I am new to budgeting. I started ynab with $0 creditcard balance. so any purchases I make on the card are already budgeted.…
    • Lavender Crab
    • Lavender_Crab.12
    • 3 mths ago
    • 2 replies
    • 37
    • Lavender Crab3 mths ago
    • Credit Cards & Debt
    • Answered
    • Answered
  • Overspending in Dec not showing in Jan

    A 12/30 transaction came in today for $12 which caused December's Dining Out to be orange; yes I overspent by $12. But in January budget, To be budgeted is still green and at the top it even says…
    • Violet Transistor
    • Violet_Transistor.2
    • 2 yrs ago
    • 8 replies
    • 126
    • dakinemaui3 mths ago
    • Credit Cards & Debt
    • Answered
    • Answered
  • Question on Credit payment discrepancy.

    I am new so forgive me if I am overlooking something... I have felt pretty overwhelmed getting started but feel like I'm really getting my brain wrapped around this tool - except on this count:…
    • How do you do fellow kids
    • hdydfk
    • 3 mths ago
    • 5 replies
    • 72
    • Superbone3 mths ago
    • Credit Cards & Debt
  • Checking how to handle a credit card when you can’t pay it all off each month

    I want to make sure I understand. Normally when you buy something on credit the money goes to the CC payment category so you can pay the bill. I’ve done this for years and never thought about that…
    • Floofie
    • floofie
    • 3 mths ago
    • 11 replies
    • 94
    • dakinemaui3 mths ago
    • Credit Cards & Debt
  • Isn't budgeting for credit card double budgeting?

    I'm a little confused about budgeting for the credit card category. Example: I budget $100 for clothes in a clothes category. I made the purchase with my credit card,…
    • Salt Lamp
    • SAlt_Lamp
    • 3 mths ago
    • 1 reply
    • 78
    • Vibrant3 mths ago
    • Credit Cards & Debt
    • Answered
    • Answered
  • Moving debt from credit cards to LOC

    Hi all, How do you move debt from credit cards to LOC in YNAB? I thought I did it correctly by closing the accounts and moving the money to the line of credit but it is showing a plus and negative…
    • Sea Green Crab
    • Sea_Green_Crab.10
    • 3 mths ago
    • 3 replies
    • 49
    • FanessYNAB Support3 mths ago
    • Credit Cards & Debt
  • HELOC Confusion

    I recently took out a HELOC to help with a house project. I just transferred $10K from the HELOC to my checking account, and recorded that in YNAB as a transfer between the two.…
    • Steel Blue Android
    • Steel_Blue_Android.6
    • 3 mths ago
    • 7 replies
    • 49
    • dakinemaui3 mths ago
    • Credit Cards & Debt
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