Credit Card Interest Confusion

After playing with this for three months, I am beyond frustrated. It shows $#### available but in my own bank account I dont see $#### available. I use to work primary with excel and have different payments set. I just thought this would be easier with linked Plaid software. But instead I have to budget interest into the non credit card category and when I make extra payments the activity shows a lower negative number but some how show money available. I have read forums. But still not grasping the concept of credit card integration. 

When I move to the next month it shows I have money to budget but my actual bank account begs to differ. 

How do I get rid of the credit card feature and make it a regular category?

Or can someone explain because my Coding brain is putting trash in and getting trash out.... 

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  • Hi, it seems like there is a lot going on here. What if we were to take it one step at a time. What do you mean by:

    Coral Filly said:
    It shows $#### available but in my own bank account I dont see $#### available.

     Where does it show those available dollars in YNAB? How many bank accounts do you have on budget in YNAB? How many credit cards?

  • Is there any way to call?

    I dont feel like exposing myself, by giving out amounts. 


    More than two credit cards if the activity says -100 but 200 has been paid and 300 had been spent. I budget 200 for the month and the far right column says 100 dollars is available how is this possible? 

    The interest and fees being 100 in the category above non credit card. Do I split the credit card payment to the interest and the monthly payment? 

    Proceeding into the next month that extra $100 from the previous Carries over saying there is $100  available but my checking account after paying 200 from the last states 0.  

    When I export the the document into excel I can see where this calculation comes into play. But it is not aligned with other categories. 

    Is there any way to reach out one on one with the YNAB crew to help me stop overthinking? 

    • Coral Filly If you go in your budget, there is a "help" option (it's a "?" in the lower right on the web) where you can reach out to YNAB support directly. They'll probably ask you to change the setting to allow them access to your budget.

      The "activity" column is the sum of all the activity that has taken place this month. So if you paid 200 (+200) and spent 300 (-300), then your total activity is -100.

      The "payment" column is how much is available from your budgeted dollars to pay the credit card. So if you had 100 from spending out of other budget categories, budgeted 200, and then paid 200 to the card, you'd have an extra 100 dollars available in your budget to pay the card (that's their "job"). When you spend money on the credit card and assign it to a budget category with available dollars, the money magically moves from the budget category to the available to pay the credit card category.

      The extra 100 dollars will stay in the payment category from month to month until you spend it on paying the credit card.

      Does the above help at all?

    • Fuzzball Meows okay, I didnt understand it. Without making it too complex. 

      By me budgeting for interest and fees and what ever I did buy. YNAB assumes the entry was covered by the budgeted amount. 

      But if the amount wasnt covered in the non credit category the budget should reflect a negative or underfunded. Which would pull from the credit card category. 

      I see my flaw. I would budget the money to pay for the bill not the actual transactions. Meanwhile the actual transactions believe they are funded by bank money not credit money. 

      The interest and fees cat does not know its funds are coming from the bill payment.

      At least that's my understanding 

      So if I pay the bill the underfunded categories will take that money. 


      I might be typing too much...

      But yes it makes sense, now.

      Ceeses and Fuzzball Meows Thank you, both!!!

    • Coral Filly So glad to see things are making more sense here, and it does sound like you're on the right track!

      I'm going to leave a few resources here that might help deepen understanding on a few of these topics, but let us know if any numbers still aren't quite clicking, and we'll be here with more answers! 

      I hope this helps! 


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