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Credit Cards & Debt

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Credit card payment, sync problem
First of all, Happy New year, I wish you all good health, prosperity, success, less worries. Back to the question. Today I have payed my credit card in full,…
- Violet Tugboat (127075abc5e3)
- Violet_Tugboat_127075ab
- 3 yrs ago
- 2 replies
- 1,582
- Jen3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
Credit Card download not downloading to YNAB
When I download a credit card file for spending for the month, I can open and see that includes all of the transactions, but when I select Import and choose the QIF file,…
- Magenta Ink (b04bb2cef5c4)
- Magenta_Ink_b04bb2cef5c
- 3 yrs ago
- 1 reply
- 949
- FanessYNAB Team3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
Inflow into Credit Card not showing up in 'to be budgeted'?
I'm a little confused at the moment. I have over spent a little (thanks to a new house and being December!) and I'm trying to keep things covered. Today my boyfriend forgot his wallet while we were…
- farfromtheusual
- farfromtheusual
- 3 yrs ago
- 6 replies
- 1,895
- farfromtheusual3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
Medical bills and crossed wires
Last week I called financial services at a hospital where we owe about $400 and worked out a payment plan with them. They were nice as could be and very flexible.…
- ClimbingOutOfDebt
- I think I can I think I can
- ClimbingOutOfdebt
- 3 yrs ago
- 2 replies
- 1,157
- FanessYNAB Team3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
Overspending shown on CC for no apparent reason
Have 3 accounts as credit cards in YNAB. One of them looks like this right now: I just don't get why. It's not in debt, and I have only green (or grey) categories in December.…
- Jei
- jei
- 3 yrs ago
- 9 replies
- 1,078
- FanessYNAB Team3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
Transactions affecting credit card budget
When I add transactions to my checking account, sometimes it will mess with my credit card budget. In the first picture, it shows what I have budgeted.…
- Brittany Martinez
- Purple_Cup
- 3 yrs ago
- 1 reply
- 1,459
- Dan3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
Transitioning from YNAB4 to nYNAB: Credit Cards (??!?)
I'm finally trying to take the plunge from YNAB4 into nYNAB and have decided to maintain mirroring budgets for couple months to make sure all transitions well (and that I fully get it) before I…
- Silver Router (9e1535b1d629)
- Silver_Router_9e1535b1d
- 3 yrs ago
- 10 replies
- 1,624
- 1
- Purple Saxophone (3ecc5c3e549c)3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
How to delete credit card after paying off balance
Can you please let me know the best way to remove a credit card from YNAB, after I've paid off the balance, without messing up my budget/transactions? Thank you!
- Steel Blue Elk
- Steel_Blue_Elk
- 3 yrs ago
- 3 replies
- 825
- Abby3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
"Transfer To" option to showing
I need to categorize my budgeted credit card payment as a transfer but I don't see the transfer to option in my drop down list. What am I doing wrong? - Both accounts are direct imported (checking &…
- Cyan Lobster (ea84e22c1b7d)
- Cyan_Lobster_ea84e22c1b
- 3 yrs ago
- 3 replies
- 1,320
- Jen3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
Overpayment and yet still overspent?
I just started using YNAB on November 1st. One of my credit cards was overpaid the month prior. My starting balance was zero but I made a transfer from my checking account on November 1 for $500 to…
- Eduardo P
- Coral_Koala_1a8b2dd709c
- 3 yrs ago
- 3 replies
- 2,083
- Dan3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
Credit Cards in YNAB
I pay 2 credit cards off in full every month. One is business- the other personal. Especially with my personal card, individual transactions are imported and applied to different categories.…
- Silver Cartridge (f04002585532)
- Silver_Cartridge_f04002
- 3 yrs ago
- 7 replies
- 1,691
- Dan3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
Credit Card usage
Hi, I have some conceptual issues (not sure this is the correct word) with Credit Card use in YNAB. This is not a technical problem. Some background...…
- Gustavo Czobel
- Maroon_Thunder_d2db9cb3
- 3 yrs ago
- 5 replies
- 936
- nolesrule3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
Debt elimination
I make and spend a lot of money and have a decent amount of debt to go along with it. It seems that I’ve never eliminated my debt due to having the fear of needing those extra funds after applying…
- Johnny
- Investor
- Turquoise_Mainframe_ff1
- 3 yrs ago
- 5 replies
- 2,305
- Johnny3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
YNABing while still using CC
My husband has a credit card that he uses for his job. Sometimes uses it for personal things as well and had to use it for a large purchase for our home.…
- Gina H
- Aquamarine_Memory_a24d9
- 3 yrs ago
- 3 replies
- 781
- JanelleYNAB Team3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
Is there any way to delete a credit card?
Hi, I added my solar panel loan as a credit card as opposed to a tracking account because I wanted to figure out how to pay the loan off in 8 years. (Oddly enough,…
- Joe LaJackson
- YNAB user since 11/2014
- joelajackson
- 3 yrs ago
- 2 replies
- 1,923
- Joe LaJackson3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
Pay down debt or build emergency fund?
We are currently a one-income + side-work-while-going-to-grad-school family (2 adults, kids are 9 and 11). We have about one month of expenses in an emergency fund.…
- ClimbingOutOfDebt
- I think I can I think I can
- ClimbingOutOfdebt
- 3 yrs ago
- 1 reply
- 1,529
- April at YNAB3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
Credit Card working balance in budget
After paying off my Discover card several months ago (yay me!) the balance in the left hand side under "Budget" has remained at zero. I recently made a small purchase with the card and when I went…
- rlcnorthcoast
- rlcnorthcoast
- 3 yrs ago
- 6 replies
- 1,425
- rlcnorthcoast3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
Credit Card fee reversal
I know this should be rather easy but how to I enter fee reversals? and bc of that fee reversal I also had a small interest amount credited back to me. How should I handle those?
- Lady M
- Pink_Mainframe_fb373478
- 3 yrs ago
- 1 reply
- 1,304
- nolesrule3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
Not sure what categories I am supposed to put credit card payments into.
Hello, For example right now I have 2 transactions pending approval. The -$12 coming from my checking account that was a credit card payment and the +$12 going to the credit card account.…
- Sauromayne
- Sauromayne
- 3 yrs ago
- 4 replies
- 1,121
- HappyDance3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
Credit Card arrears payments
How do I budget for credit card expenditure when the payment is made in arrears, for example I paid today for activity recorded in Sept. I pay off the full balance every month,…
- Silver Lion (bc419e839d57)
- Silver_Lion_bc419e839d5
- 3 yrs ago
- 12 replies
- 1,381
- JanelleYNAB Team3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
scheduled transactions for cc?
I am carrying massive cc debt. Should I try to schedule the transactions, even though the amount changes monthly? I am currently in snowball on one card and making payments on the others.…
- Gold Saxophone (fb9d0886432b)
- Gold_Saxophone_fb9d0886
- 3 yrs ago
- 2 replies
- 771
- WordTenor3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
very large business reimbursements - making me crazy
So I travel extensively across the USA and rack up 5-8K per month in business travel, entertaining, hotels, meals, cars, conferences, exhibits etc. The method described in YNAB may work if you only…
- Hot Pink Cornet (369b8c16dc2a)
- Hot_Pink_Cornet_369b8c1
- 3 yrs ago
- 11 replies
- 1,258
- 1
- WordTenor3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
Credit card payment
I paid my credit card with my checking account. Both are linked accounts. The payment cleared my checking account and was applied to my credit card account.…
- Green Lathe (30b54ac5225f)
- Green_Lathe_30b54ac5225
- 3 yrs ago
- 3 replies
- 765
- Jen3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
Intentional Debt
Does anyone know how to set up an intentional debt? For instance, I am using a 24 month, same as cash option. It is not for a large amount of money and it will in fact be paid off in 2-3 months.…
- Turquoise Memory (20e8230556a4)
- Turquoise_Memory_20e823
- 3 yrs ago
- 13 replies
- 1,791
- Turquoise Memory (20e8230556a4)3 yrs ago
- Credit Cards & Debt
- Answered
- Answered
Interest from the previous month
Is is possible to fund the interest category from October, when I get paid on November 3?
- Lady M
- Pink_Mainframe_fb373478
- 3 yrs ago
- 2 replies
- 1,056
- Lady M3 yrs ago
- Credit Cards & Debt
- Answered
- Answered

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