Credit Card workings in YNAB continue to elude me

I have just reconciled both my bank and cc account.  In my budget account I have a SIZABLE positive available balance.

How is that possible?

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  • Do you mean your Credit Card Payment category has a sizeable Available amount? (That category tells you how much is reserved to send them.) That's usually the case before you pay your credit card. (Mine, for instance, has about 2 months of CC charges in it just before I send in a payment for the statement balance.)

    A card with paid-in-full status should have its Payment category cover the entire debt / account balance. If more is Available in the category than that, feel free to move the excess to elsewhere in the budget.

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  • Hey TMACMI ! Is it the account balance (left side) or the Payment column with the positive amount? This HelpDoc has an example of what a paid in full credit card may look like in your budget, and how to compare the two. Let us know how it goes!

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