overspend showing on CC but not in budget

I am having a CC mystery. 

 

My CC is paid in full. I am buffered. My CC register shows I'm over spent by $20.64, an orange number. My budget says I am green and good to go. I have gone backwards and forwards several months and can find no sign of discrepancy.  This started over the weekend when I had a bunch of transactions and some overspending. I covered the overspending (I thought), but obviously something went wrong. Since all my categories are green I'm at a loss on how to find it and fix it besides going in and undoing/redoing all transactions from the past few days. 

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  • Your CC payment category can still show green even if you have some credit card overspending, because you have enough money reserved to make a payment, it's just not enough to be able to pay everything in full.

    If you are a paid in full CC user, the CC payment category available balance should equal your credit card account balance when you have no overspent purchases made on the card. No more, no less. It will be less if you have some overspent CC purchases.

    Like 2
  • I am also a paid in full (PIF) user and this happens for me sometimes.  It feels impossible to understand what happened or how to fix it.  I simply add money where it's needed, taken from other categories if needed.  Within a few days to weeks, what happened will be revealed.  In your case, budget the $20.64 to your credit card.  Keep watching and one, or more, categories will come up over.  You can contact support for help but I've normally found the problem long before they respond.  

    When accessing my budget, one of the first things I always attempt to do with my credit cards  is verify my budgeted amount matches the account balance.  If it doesn't, I make adjustments.  

    Good luck.

    Like 2
  • P.S. adding again the feature request to have the software find the overspending, crew! You've managed to generate it in the account header, which means the software knows where it's coming from--show that to the user. It would be so helpful! 

    Feature request #2--have all overspending show in the account header. 

    Like 11
  • OK, I was thinking it might be somewhat of a bug. I played around with it a bit and after some guessing and adding $20 here and there I got it to go away.

    I agree with Word Tenor! It is smart enough to show there is a problem, go the next step and let the user in on the details. 

    Like 3
  • Hi clevername !

    That negative amount in your Credit Card Payments category should have shown in red (and handled accordingly), the fact that it was in orange is a bit of a ghost bug that we're trying to track down! Thanks for letting us know about it! To get a bit more info, do you have any goals set in that CCP category? 

    Since that's the case, that overspending should be handled just the way you did it. And having a bit more transparency about what exactly happened is a great feature request! I 'll certainly pass it along to our design team. 😊

    Like 1
  • No, I have no goals set for credit cards. 

    I am even more confused. I realized the 20.64 overspend on one card is exactly the amount of two returns I made on my *other* card. These were purchases made in past months, but I returned the money to the category they came from. 

     

    I made the orange overspend go away buy budgeting 20.64 to the category I suspected was causing the issue.  But now it shows I have a green 20.64 available to spend in my budget. 

    Like
      • nolesrule
      • Stealing From the Future fix is an improvement but is incomplete....
      • nolesrule
      • 3 yrs ago
      • Reported - view

      clevername It seems like it credited the return to the wrong card's Payment category. You should move that money from one Payment category to the other one. Since you've already added it to your TBB, budget it to the correct payment category.

      Like
      • clevername
      • Violet_Pony_1d1993f004c
      • 3 yrs ago
      • Reported - view

      nolesrule  OK, that made sense. I undid my original fix of just adding an extra 20.64 and instead moved the amount from one card to the other. My numbers are correct for debt/payment but I still have an orange 20.64 overspend on the first card! Even though the money is there to pay it and no overspend shows in the budget. 

      Like
      • Marqzman
      • marqzman
      • 2 yrs ago
      • 1
      • Reported - view

      clevername For anyone who finds this in the future... I had spend $122.30 in June then got the refund in July, and I saw the same thing clevername did. I fixed it by changing the date on the return to zero out the amount spent in June.

      Like 1
  • Was there ever a fix for this?  I have the exact same problem.  I made a purchase and got a return both on one card, but am showing an overspend of that amount on a different card.  I moved the money in the card payment field so that works out but am still showing an overspend in orange on the wrong card that really doesn't exist.  It's extremely frustrating.

    Like 1
    • Hi Slate Blue Sloth !

      Currently, there are some situations that cause that orange overspending appear without a way to budget for the difference (for instance, balance transfers between credit cards). We're working on a way to make this clearer going forward. For now, as long as your credit card Available amount matches your credit card balance, you can ignore the overspending prompt.

      Like 1
  • This is still a problem, please fix it. How can my credit card *possibly* be "overspent" if:

    (a) it's paid off 100% to 0 balance

    (b) all my budgeted categories are not overspent

    Like
    • Hi Chris !

      This could be caused by overspending in a previous month that wasn't budgeted for, a starting balance that wasn't budgeted for, a refund categorized incorrectly, or all three of the above.

      We can take a closer look at your budget if you'd like! If you’re up for it, go ahead and enable Support Access for your account. Once you’ve done that, let me know—and mention whether you’d like to continue the discussion here or via email instead. :)

      Like
      • Chris
      • Site reliability engineer
      • shric
      • 2 yrs ago
      • Reported - view

      Faness Thanks, I have enabled support access. My budget only started in March 2019, so there is no previous budget. 

      Like
    • Chris Thank you for enabling access so I could take a look! :)

      I'm not seeing where your credit card is overspent. I see a current balance on your credit card of $22.97, but you have $22.97 in that credit card account which means enough money has been budgeted for your credit card spending to pay the card off in full.

      You mentioned in a previous comment that the balance has already been paid off. If that's the case and the $22.97 is incorrect, take a look at how to reconcile your account. That should get your balance in YNAB back in sync with the balance at your bank. :)

      Like
      • Chris
      • Site reliability engineer
      • shric
      • 2 yrs ago
      • Reported - view

      Faness Hi, the $22.97 is just a transaction I made today. It was paid off in full before that transaction. Whether or not that transaction is present, the Mastercard still says it's $135.00 overspent. Nothing I change adjusts that $135 overspent value at all. 

      Like
    • Chris Sorry about that, I was looking in your budget and not the account itself - I see it now! 

      That overspending alert is there because you made two cash advances in March (transfers from the credit card to a cash account).

      When you make a cash advance, it shows up as overspending (debt on the card) in your account register and money is added to your To be Budgeted amount (and consequently to your Funds for [Current Month] number).

      That alert stays there as a reminder of the amount you need to budget towards your credit card category to account for paying back the advance - it will go away when your budget rolls into a new month. Since you've already budgeted to cover that difference, there's nothing else you need to do. :)

      Like
      • Chris
      • Site reliability engineer
      • shric
      • 2 yrs ago
      • 2
      • Reported - view

      Faness thanks, that does resolve my issue and J really appreciate you taking the time to look into it! However, it would be great if I could just click on the overspending amount and it shows me where I "overspent". Can this feature be implemented as others requested?

      Like 2
    • Chris Cash advances are treated somewhat differently, as they show as overspending in the account register but not in the budget. Would you mind submitting a feature request to let our development team know you'd like to see that option, too? I'd like to think nothing's impossible, but letting them know you'd like to see it is where we start. :)

      Like
      • Chris
      • Site reliability engineer
      • shric
      • 2 yrs ago
      • 1
      • Reported - view

      Faness I've submitted a feature request, thanks!

      Like 1
  • I see this is answered but I just had a similar issue showing in the web app, and it seemed to resolve after taking an action in the iPad app.  Here's what happened:

    • Saw that my Credit Card account had $10.27 overspending in November
    • No budget category was red, indicating overspending
    • Through trial and error of changing outflows on the CC account, I found the overspending was related to my Entertainment category
    • On my Budget, the Entertainment category had $0.00, and to my surprise my CC budget had $10.27 budgeted, and -10.27 in activity
    • I moved the 10.27 budgeted from my CC budget to my Entertainment budget
    • Now, Entertainment budget had $10.27 remaining, and the overspending in my CC account was gone... Until I added an Entertainment transaction of $10.27 in another account, then the overspending showed back up.

     I began typing a message to YNAB support, and opened the iPad YNAB app to add and remove a transaction just to double check that my support message was accurate.  To my surprise, I didn't get the overspending issue.  Back on the YNAB web app, the overspending was also gone in my CC account.

    So something in the iPad app must have reset some cached value...?

    She falls down a well, her eyes go cross...  She gets kicked by a mule, they go back.  I don't know...

    Like
    • OdeToSpot Do you have an Inflow transaction in that category?

      If so, then one possible explanation is the transaction you added in the iPad was dated today, but the transaction you added in the web app was dated earlier than the inflow.

      The early-dated transaction caused overspending, but the inflow masks/hides that by increasing the category into green territory.

      Like
    • OdeToSpot BTW, there is yellow overspending as well as red. Red signifies missing cash. Yellow signifies no cash is reserved to pay off the debt recently incurred.

      Like
      • OdeToSpot
      • Cadet_Blue_Beat
      • 2 yrs ago
      • 1
      • Reported - view

      dakinemaui I think you are right!  I did find "return" that was made and budgeted directly to the Entertainment category (from where it was originally debited).  It looks like it was a timing of the return and a few other transactions.

      So if I overspend a category on a credit card, does it automatically "budget" dollars to the CC to cover it?  And if so, where does that money come from - To Be Budgeted I assume?

      Like 1
    • OdeToSpot said:
      So if I overspend a category on a credit card, does it automatically "budget" dollars to the CC to cover it?

      Absolutely not. It is only for a BUDGETED purchase that will YNAB reallocate the cash backing that spending category toward paying off the debt incurred for a CC purchase.

      Like
  • Hey folks - wanted to say I had this same issue. Was tearing my hair out about it. Turns out the problem was that I had a purchase of $60 a few months ago, categorized under Work Expenses. I returned the purchase and got a refund of $60. Instead of categorizing that credit card refund as Inflow, I categorized it as Work Expenses but in a positive amount of $60. The idea I had being that, well, that's money back into my Work Expenses budget. I guess this might have worked if the return was in the same month as the purchase, but because they were a couple months apart, it all went nuts. Changed the return to Inflow and the issue went away.

    Thanks!

    Like
    • brooklynfall Glad you got it sorted out! If you pay your credit card in full, do a quick check to see that your Credit Card Payment category is a positive match of the amount you owe on the card. You might have had another shortfall there that the return is covering for. A one time adjustment get you back on track!

      Like
      • brooklynfall
      • Tomato_Griffin.14
      • 5 days ago
      • 1
      • Reported - view

      Marisa thanks! I actually don't pay in full on that card yet; still working on the balance. But I went through every payment and they all match up.

      Like 1
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