Credit Card 'Available' Balance does not match the Actual Balance

I'm not sure what happened here.....two of my credit cards are showing a lower 'available' balance than what the actual card balance is. I do not carry a balance on either of these cards and everything was correct a couple of weeks ago. All accounts are reconciled and I have no negative category balances or over budgeting. What happened?? 

I think it has something to do with some money I moved between categories a couple days ago but I'm not sure why it affected my available balance on my cards... Both cards are off by exactly $35.16. I do have a charge on one card for that amount but it has been budgeted for.

I've gone back through my budget of the past 4 months like 5 times each and I'm stumped.

Can anyone help?

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  • Here's a list somebody put together for possible ways a CC category can get out sync:

    • starting balance on a paid-in-full card - category is lower
    • overspending (typically yellow, but possibly red) - category is lower    
    • outgoing transfers to other on-budget accounts (e.g., gift card account, immediate reimbursements, mixed funding splits) - category is lower
    • purchase/cash-back rewards (should be categorized to TBB) - category is higher
    • categorizing item returns as TBB (should use the original spending category instead) - category is higher
    • reconciliation adjustment - category is lower for an outflow adjustment, higher for an inflow adjustment
    • taking the account balance positive - category should be $0 in this case
    • errant budget entry - category is lower for a negative budget entry, higher for a positive entry. 

    Bottom line is you need to fix it by moving funds into the categories until they match your balance in the opposite direction if you want to remain PIF.

    Like 1
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 3 wk ago
      • Reported - view

      Superbone We need to add the one about returns/refunds directly to categories that happen after the payment has been made.

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    • nolesrule that's the same thing as taking the account positive in the PIF case.

      It's just an irritant in the non-PIF case, but does not increase the account/category gap.

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      • Gold Robot
      • Gold_Robot.9
      • 3 wk ago
      • Reported - view

      Superbone looking at this list (at the items that would cause a lower balance), wouldn't I need to have an overspent category or be over-budgeted in TBB for any of this to happen? All my categories have available money in them and my TBB is $0.

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    • Gold Robot only the overspending one requires overspending. None of them require a negative TBB.

      Edit: if you pay the CC more than is Available, that results in red/cash overspending in the Payment category, but that's not what caused the gap in the first place.

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  • There is a known bug that might return funds to the wrong CC after a return. If one Payment category is too high by the same amount the other is too low, just manually shift funds between the two categories.

    Like 2
      • Gold Robot
      • Gold_Robot.9
      • 3 wk ago
      • 1
      • Reported - view

      dakinemaui yes, one is over and one is under, so that must be what happened. Weird though, since I don't have a return in that amount.  I manually moved the money between the 2 card accounts. Thanks for your help.

      Like 1
    • Gold Robot yeah, the amount that was mis-moved doesn't have to be the full return amount. Glad your sorted now.

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  • Gold Robot said:
    All my categories have available money in them

    It might have happened in a previous month, and a later inflow might be masking the overspending (leaving the category green).

    My suggestion is to just fix it in the current month and move on. Trying to fix the past often cascades into additional overspending issues.

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