I over spent on credit card? Where?

I use a CC to only purchase from Amazon.  Apparently I've overspent but I can't figure out how.  I'm totally confused.  Help, please!

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  • Have you checked your statement for interest?

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      • Mina
      • mina5
      • 5 mths ago
      • Reported - view

      SR Ballard I pay the statement balance in full so there is no interest.

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  • So I figured it out although I can't understand why it works this way.  So on May 5, there was a balance on the card of $604.25.  I made a purchase on that day of $83.94 budgeted for in Category A.  It comes in the next day and is the wrong item so I shipped it back.  I got an email a couple days later stating a refund amount of $67.15, return shipping and restocking fee deducted.  I changed budgeted amount to $16.79 leaving the category in the red and therefore the credit card showing overspent by the refund amount.  I'm good with this.  Between the 11th and the 14th I made 6 more budgeted purchases on the card from other categories.  CC is still overspent by $67.15.  On the 16th, the refund hit the card.  I categorized it back to Category A which puts it at zero and the credit card available payment=cc balance.  Great!  Until....

     

    On the 17th, I made a purchase out of checking account for $76.43 from Category A.  Available is at zero but this purchase was for someone else so I don't cover the overspending.  On the 18th I made a purchase for $127 out of checking from a different category, also an overspend.  So apparently both of these purchases affected the credit card available amount but I didn't realize it.  So today I look at my budget and notice that the payment available for credit card has gone down and it's overspent by $72.13.  I'm baffled which leads to my original post.  I cover the $127 overspend and what happens?  Credit card available changes and I'm now only overspent by $16.79.  How is this possible when the $127 charge was from my checking account?!  Right now, Category A is budgeted $16.79, activity $93.22 and available negative $76.43 (spent from checking).  If I budget that amount to the category, everything balances.  I don't, however, understand why purchases I made from my checking account are affecting the available payment amount of the credit card.  

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

      Mina If the purchase on the 18th was from a category that had any credit card transactions in it, when you made the purchase from your checking account, YNAB assumed you weren't going into overdraft and so put the overage onto the credit card.

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      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 5 mths ago
      • 2
      • Reported - view

      Mina When an overspent category has a mix of cash/bank and credit spending, YNAB puts the overspent amount against the credit card payment. It prioritizes not overspending cash. Order of transactions is not relevant.

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  • jenmas,  nolesrule I looked at the purchases in the category with the $127 charge from the 18th.  Yes, there is one cc purchase in that category. This makes sense now.  I'll leave Category A in the red until I'm reimbursed in a couple days and I'll know going forward that I don't have to worry about the cc available amount as long as I can cover my overspends.  Thanks for your help!!

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  • 5 mths agoLast active
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