Quick question about a statement credit

I unexpectedly got a $150 statement credit from American Express as part of their sign up bonus thing where you spend a certain amount after signing up before three months is up. How do I need to categorize/add this to my YNAB budget?

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  • Categorize as Inflow: To Be Budgeted. It will reduce the balance on your card in YNAB but NOT change the Available amount in your CC category (unless it makes the CC account positive, I think.) You can then manually move the $150 out of the CC category to whatever other category/ies you like. 

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  • Category is to be budgeted. Then if you have too much in the payment category you can move the extra out. 

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