Credit Card Overpayment

Having an issue with one of our credit cards. 

This store card is only used for clothing at a particular store.  We have never spent more $ than budgeted for clothing in one month or have ever gone negative in the category.  We pay the card off completely each month and never carry a balance.  The issue is that we paid the $65 balance and then something was returned a few days later for $42.  YNAB is reporting that we overspent on the credit card by $42, which is technically true, but wouldn't those $$ just be available to counter the next charge instead of showing that we overspent?

Thoughts as to why it wouldn't just apply the overpayment to the next charge?

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  • It seems to have something to do with the return date.  If I change the return date to the day after the credit card payment date, everything works.  If I change the return date to the same day or before the credit card payment date, it says I overspent on the credit card, which again is technically true, but again, why wouldn't the $ accumulate there ready for the next charge.

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      • satcook
      • satcook
      • 4 mths ago
      • 1
      • Reported - view

      Doug It sounds like your credit card is going positive in ynab with the return.  CHanging the date so the card doesn't go positive is the right thing to do.

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      • Doug
      • sailcamp
      • 4 mths ago
      • Reported - view

      satcook - Thanks.  It does sound that way.  Seems weird though, why do you need to change the transaction date for the system to not say you overspent, especially since the transactions are all in the same month.

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  • This has to do with how YNAB handles positive credit card balances. You can change the date to avoid the entire positive credit card balance, or you can move the extra money you'd see in To be Budgeted to your Credit Card Payment category if you leave the dates the same. 😊Either way, your budget is accurate!

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      • Doug
      • sailcamp
      • 4 mths ago
      • Reported - view

      Marisa I get what is happening.  Understand that the return took $$ away from the card category and transferred it back to the clothing category.  The weird thing I guess is that our overall TBB did not change in that month or any other month.  If I go ahead and budget $$ to that category, it fixes the issue, in that month.  It is odd that it doesn't change our TBB in another month.  I would have expected it to take $$ from at least the last month budgeted.

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