CATEGORIZING MY CREDIT CARD PAYMENTS

My credit card payments come up as a transaction just like anything else which I understand because it is activity on my accounts. However, it automatically categorized itself under the "To Be Budgeted" category and now my To Be Budgeted is extremely negative and I can't budget anything else until it's fixed. I need help as soon as possible!

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  • Credit card  payments should be transfers from your checking account to your credit account.  If you direct import, there’s no way for the program to know that the transaction should be a transfer.  To fix this first one, edit the payee section of the transaction to make a transfer.  For your next one, input the transfer manually before it imports, say, when you schedule the transaction.  The software will match the downloaded transaction to the transfer that you put in, and from then on it will know that transactions with that name should be transfers instead. 

    Like 3
  • Orange Hammerhead

    WordTenor is exactly right! :)

    To correct credit card payments if they import as regular inflow/outflow transactions:

    • Click on the credit card account in the account list to view your Register.
    • Locate the imported payment and click on it.
    • Click on the Payee field and click Payment or Transfer.
    • Select the account the payment came from underneath the “Payments and Transfers:” heading. (Don’t worry, the other side of the transfer—in the checking account—will be matched automatically.)
    • Click Save and you’re done! The payment will now be reflected in your Credit Card Payment category, and any future imported payments will be imported as transfers just as you’d expect.


    If you have any questions about importing payments—or any type of transfer—take a look here. :)

    Like 2
      • Biff Trout
      • Salmon_Mermaid.2
      • 1 yr ago
      • Reported - view

      Faness You say, "

      • Click on the credit card account in the account list to view your Register.
      • Locate the imported payment and click on it.

      But when I click on the credit card account on the account list I see no transactions, and certainly not the imported payment. So very confused...

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

      Biff Trout Unfilter your transactions. But looks like you may not be importing your transactions. Is the account linked?

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    • Hi Biff Trout ! I hope you don't mind me stepping in for Faness while she is out.

      In the web app, you’ll start to see a notification dot next to any account that has transactions available to import (or approve/categorize). Select the account, and you’ll see a banner at the top.

      Click Show all, to unfilter your transactions. In the Citi Visa, it looks like that you have one transaction and that should be your Starting Balance.

      Since you just got started, it doesn't look like you have transactions ready to import for the Citi credit card just yet, but do for the Chase Visa. Check that account, and follow those steps or you can also find the steps to edit your Imported Payment here.

      Let me know if you still have questions!

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    • Faness I did this, but it still needs a category. This is my day2, still learning. I also think I erroneously added an Amazon debit to stuff I forgot to budget for, so now that's negative. Help?

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      • jenmas
      • jenmas
      • 6 mths ago
      • 1
      • Reported - view

      Pink Tugboat You need to change the Payee to: Transfer To: Paypal Credit Card

      Like 1
    • jenmas that wasn't an option. I read somewhere else to change the Payee to my checking acct, since that's where the payment was coming from.

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    • Pink Tugboat and then I didn't have to categorize.

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      • jenmas
      • jenmas
      • 6 mths ago
      • 3
      • Reported - view

      Pink Tugboat It depends on which account you are in and I couldn't tell from your screen shot (I don't do much other than transaction entry on my phone, I do most stuff on the computer where it is clearer which account you are in). If you are in your credit card account, you change the Payee to Transfer To/From: Checking Account. If you are in the Checking Account, you change the payee to Transfer To/From: Paypal Credit Card

      Like 3
  • Thank you! Such a learning curve. 

    Like 1
  • Perfect answer. Thanks!

    Like 1
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