Checking Account Transaction, Yet Credit Card Shows Overspending

Hello! For the second time in the past two months, I'm having issues with overspending when money has been properly budgeted. Today, I made a small purchase at Walmart for $4.50 (using my debit card/checking account). This shouldn't have presented an issue since I still had a bit over $7 allocated for groceries. 

 

 

For some reason though, YNAB keeps adjusting my credit card balance whenever I enter this checking account transaction. My credit card goes from this:

  

 

 To this:

  

 

Why is this happening? And how do I correct it? I've had this same issue before, and started a brand new budget since I couldn't figure out what was causing it. Please help!

 

One more thing... I've recently returned some holiday items, which were refunded to another credit card (not the one that's showing the overspending). Could this be causing the issue in YNAB? I'm so confused. The image below details the returns.

 

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  • YNAB will prioritize cash spending over credit within a category that has both types if there is not enough to cover all charges. That's why the CC Payment is being shorted.

    The obvious next question is why isn't there enough to cover all charges? That category certainly looks like it has enough.

    By chance is there a return (inflow) in that category? Overspending may have been present before that inflow, and the latter doesn't seem to fix it as a budget entry would. It does, however turn the category green.

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    • dakinemaui Thank you for replying. Yes, I've had two returns in that same category, but on a different credit card (I've added an image below). Is this why my credit card keeps showing overspending? I'm not understanding why though.

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      • dakinemaui
      • dakinemaui
      • 1 mth ago
      • 1
      • Reported - view

      Miami Mami I consider it a bug and reported it years ago. Still not fixed.

      Work around it by moving funds from the category to the CC Payment category next month.

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      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 1 mth ago
      • 1
      • Reported - view

      Miami Mami The overspending indicator on the Credit Card register is not always accurate. I would ignore it in favor of reviewing the categories themselves for overspending.

      Like 1
    • Hi Miami Mami !

      Sorry for the trouble! It sounds like you're running into a known scenario that can cause money to move a bit oddly between your Credit Card Payment categories.

      If there's activity on two different cards in the same category, and a return on one card that is more than the purchases on that same card in that category in that month (it has to be that the spending category would be overspent if the refund hadn't helped fund the category), then the money gets stuck in the wrong Credit Card Payment category.

      We're working on improving this scenario but, in the meantime, move money like dakinemaui mentioned will ensure there's enough money in the credit card category to cover the amount needed.

      Like 1
  • Thank you all so much for the responses and clarification!

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