Credit Card Account Sharing
I share a credit card account with my spouse (strictly to rack up points). When I link the credit card account to YNAB it shows the balance for the entire account opposed to my transactions. However, the credit card company has provided us with separate log ins and separate credit cards with different numbers. YNAB seems not to be able to differentiate. Have any of you ran into this problem? If so, how did you resolve (outside of getting another account/kicking someone off your account)?
Thanks in advance
If you're importing, then it's actually on the bank's side. YNAB just accepts what the 3rd party import provider gives them, who in turn just accepts what the bank give them. Most joint credit cards accounts have a combined account and balance in my experience, even when there are separate card numbers.
When you login to the web site, do you see only your transactions with your credentials? When you import, do you only see your transactions? If so, then a one-time adjustment of the YNAB balance makes it "your" account in YNAB. (Additionally, the fact you were able to see the combined balance sounds like your CC isn't respecting the boundaries of your credentials.)
If import brings in your spouse's transactions as well -- and I'm assuming you don't have joint finances -- then I suggest you simply unlink that account and enter transactions manually. (That's actually the recommended workflow, with import meant to aid reconciliation.) Reconcile to your card's balance, again which I assume you can find on the CC's website.
Hi Cornflower Blue Commander !
The Amex card I have performs in the same way - even though my husband and I have separate logins, all of the transactions are listed together. That card is in our shared budget, so I categorize all the transactions as normal.
If you don't intend to share your budget, you can either manually enter just your transactions (like dakinemaui mentions), use direct import and delete the transactions that aren't yours, or include all of the transactions - categorizing your spouse's transactions to a "Spouse's Spending" category while categorizing your transactions as normal. The latter method will leave the "Spouse's Spending" category continuously overspent (since you won't be budgeting to pay for that spending) and the former methods will add an extra step to reconciling (you'll need to find the account balance for just your transactions and not those of your spouse).
I like the idea of having tabs on the actual account balance and not just my portion, but if you prefer to only monitor your spending in that account than the first option is the way to go! :)