Feature Request - Record Payment - Use Cleared Amount Instead of Working Balance

Hi YNAB,

This isn't a bug but a feature request.  I wasn't sure where else to request this as I didn't see a feature request area.  It would be helpful if the record payment functionality on credit cards auto-populated with the cleared amount balance rather than the working balance.  When paying a credit card, most people would pay the cleared balance or statement amount that they owe, regardless of if they've budgeted funds for uncleared balances that will post later.  When paying a credit card, I'm not going to pay uncleared balances because I could end up with a credit to my account and frankly I don't trust credit card companies to honor that credit (and in some instances you cannot pay anything above what has cleared).  If I've already set the money aside for uncleared balances then the expense has been covered regardless of when it clears.   It is just a small manual work around to click into the inflow field on the credit card and type in the cleared balance only, but if someone wasn't paying close attention and saved it, they could end up with a budget showing they've paid more than they actually have.

8replies Oldest first
  • Oldest first
  • Newest first
  • Active threads
  • Popular
  • Hey Spring Green Ink , thanks for sending that in! I'll make sure our design team sees it. 

    In the future, you'll want to send in a Feature Request by filling out that form. You'll find it on the dashboard of the Support Forum! Let me know if you have any questions!

    Like
  • I second this request, and have submitted it via the Feature Request form Dan references. Is there anywhere we can see a list of features already under review and/or scheduled?

    Like 1
  • I think this is especially important now with Pending transactions importing.  When you make a payment on a credit card, it's always for cleared balances.  Right now when you click Record Payment, it fills the Inflow with the Working Balance.  It should be the Cleared Balance. This seems like a pretty simple fix. 

    Like
      • dakinemaui
      • dakinemaui
      • 7 mths ago
      • 2
      • Reported - view

      CarrJar The default amount is the Available amount in the Payment category. However, that certainly does not detract from your argument for a card with paid-in-full status.

      Handling the non paid-in-full case is why it may not be a simple fix. YNAB has been reluctant to conditionalize behavior on such status in the past; e.g., automatically reducing the payment category for rewards or similar.

      Like 2
      • CarrJar
      • carrjar
      • 7 mths ago
      • 2
      • Reported - view

      dakinemaui Thanks for pointing that out.  I imagined there was a reason it hadn't already been addressed.

      Like 2
  • I wanted to revisit this (I'm also submitting an enhancement).  I imagine there are a lot of people who pay off their credit cards monthly weekly or even daily.  Editing the Inflow Amount to match Cleared balance is frustrating. I would think it would be easy to give us the option of Cleared or Working balance.  Click on Record Payment, then a click on Cleared Balance or Working Balance.

    Like
    • CarrJar Thanks for submitting a feature request about this! I just passed your feedback along to our design team. :) 

      Like 1
  • If there's anyone that uses the YNAB ToolKit, there is currently a card (feature request) that someone has submitted to their team.  Give it a thumbs up and a follow.

    Like 1
Like4 Follow
  • Status Answered
  • 4 Likes
  • 4 days agoLast active
  • 8Replies
  • 312Views
  • 7 Following