Credit Card reports?

I can't get a credit card report on the new YNAB. I have used transfers from my bank to pay credit cards, is that why it doesn't show up? Desperate to get this together for a meeting with my debt pay down support group.

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  • Not sure what you mean by a credit card report. What information do you need to show? We can help you figure out how to find it. 

    Like 1
  • Your debt is the account balance. If you're not using the card but making payments, the account goes down. The Net Worth graph configured to show only the CC makes for a great artifact.

    Alternatively, if you are using the card, knowing the payments is not enough to compute debt reduction.

    Like 1
  • Hi Navy Blue Mare !

    Are you looking for a report of the spending on that credit card? If that's the case, the Spending report can be filtered to only show specific accounts and categories. The same can also be done with the Income v Expense report.

    There isn't a specific credit card report, but I hope that helps your search! :)

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  • My credit card category shows NO Spending in either the spending or the income and expense report. I am ONLY paying them off. I don’t use the cards—they are medical expenses I incurred and am still paying down (20,000). But the payments aren’t registering in my reports. Even when I click on only the credit card category, there is no spending registered in the report. But they are in my budget and I have budgeted amounts each month. Not sure what is wrong?😳

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      • Ceeses
      • Ceeses
      • 1 yr ago
      • Reported - view

      Navy Blue Mare If you are not spending and only paying it down, then use the Net Worth report for only the CC. It will show the decrease month by month. You can also look at the CC account register: it will list all payments you've done. Again, if you detail what information you would like, we might be better able to help you get it.

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  • Since you're just paying down that card, you can treat it as any other bill, with only a category. Payments would then show up in the reports. Refer to your statement for the remaining balance, so no interest to record.

    Switch by recording an inflow in the CC account for the remaining balance categorized as TBB, and close the on-budget account. Create a category to plan for & record payments to moving forward.

    OR

    If you wanted the account balance in YNAB, you could use categorized transfers to a Tracking account, which would also show up in spending reports. 

    Switch to this by creating a new Tracking account with $0 starting balance. In the current CC account, record a transfer from the new Tracking account categorized as TBB, and close the current account. Create a category to plan for & record payments to moving forward.

    Like 2
    • dakinemaui Hi and sorry for butting in..!

      Can you be a little more specific with steps for 2nd method since I'm really interested to do this..?

      I've already done some payments so I would like to preserve them with their dates in the new Tracking account. I don't want to screw this up so let's say I've recorded 3 payments in my CC account which I want to re-record as is, (with their dates), in new tracking account. How would I go about this?

      Thank you!

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    • KeepingAfloat I would really recommend just transferring the balance and continuing forward. FWIW, any historic gains you have made will still show up in the Net Worth graph.

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    • dakinemaui Thank you!

      Ideally, after transferring to new Tracking account, I would want to close down previous CC accounts. Won't this delete history??

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    • KeepingAfloat Closing an account does not lose any history.

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  • The expense occurs when you make the charge on the credit card. The payment is just a transfer of money between accounts.

    As others pointed out, if you aren't using the cards, then it's best not to have them as budget accounts, and instead treat them like any other bill you have to pay. But that will only work if you really don't use them.

    Like 1
  • I think the problem is I have using the transfer money function, rather paying a bill so nothing  shows up in my reports. I need to pay them as bills and they should appear🙃

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      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 1 yr ago
      • 2
      • Reported - view

      Navy Blue Mare The real issue is that if you’re not spending from the account it should either be A) off-budget AKA a Tracking account or B) Not in your budget at all and have a category for payment.

      Like 2
    • Superbone Superbone  Tracking account does not record anything on your monthly expenses either. I tried it a few times but it never showed up in expense reports!

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    • KeepingAfloat you should be entering your payments as categorized transfers to the tracking account. If you give it a category, it will show up on the expense report.

      Like 3
    • dakinemaui Yes thank you..! It worked like a charm..!! :-)

      I'm happy!! Also, just to make sure:

      I'll be done with this Tracking account soon, (i.e. I will have payed it off), which means I would want to delete it afterwards. This won't delete entries associated with the account right??

       

      Thanks again

      Like
      • dakinemaui
      • dakinemaui
      • 11 mths ago
      • 3
      • Reported - view

      KeepingAfloat You will CLOSE the account when you're done. Deleting that account would be bad.

      Like 3
    • dakinemaui Thank you!!! All done and nicely organised 😍

      Like 1
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