Returns on a credit card

I bought boots on my credit card. So I added a transaction  as an outflow  on my credit card under my clothing category.

So on my credit card, I had $0 for payment.

I decided to return my boots. So I added a transaction as an inflow on my credit card under my clothing category.

Now it says it has negative $ for payment and I need to cover for over spending.

This doesn't make sense since if I did cover for it, it's as if I had actually spend the money for my boots, but its a return? How can I fix this?

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    • Ben K.
    • links to ynab book topics covered online: https://support.youneedabudget.com/r/q5w48j
    • Khaki_Storm.1
    • 9 days ago
    • Reported - view

    I'd call support and let them look at it. I think we're real close to saying there's a bug or at the very least, hard to navigate functionality around returns to a credit card. 

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      • dakinemaui
      • dakinemaui
      • 9 days ago
      • Reported - view

      Ben K. Hardly a bug. Budgeted outflows increase the Payment category, so obviously inflows should decrease the Payment category.

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      • Ben K.
      • links to ynab book topics covered online: https://support.youneedabudget.com/r/q5w48j
      • Khaki_Storm.1
      • 9 days ago
      • Reported - view

      dakinemaui That's not exactly what I experienced. I mean it went in those directions, but I could never get all the ups and downs to equal. I believe I have it back to working like it should, after the return made the whole account positive, I had to wait a while to make another payment. Some of the problem was YNAB moving money to the cc while it had a positive amount and I was spending in other categories. 

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      • dakinemaui
      • dakinemaui
      • 9 days ago
      • Reported - view

      Ben K. A return taking the account balance positive causes additional issues on top of what the OP seems to be dealing with. It's not surprising the resultant cascade of issues was extremely confusing to you. You're not the first to be completely befuddled, nor will you be the last, I'm sorry to say.

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      • Ben K.
      • links to ynab book topics covered online: https://support.youneedabudget.com/r/q5w48j
      • Khaki_Storm.1
      • 9 days ago
      • 1
      • Reported - view

      dakinemaui That's the part I was saying was a bug or at least very confusing. 

      Reply Like 1
  • 1. Was your original purchases budgeted?

    2. Did you make a credit card payment before the return?

    Reply Like 1
  • (I assume this return did not take the account balance positive, resulting in a credit balance.)

    The issue is the Payment category was $0 before the return, so the return takes it negative. (You've no doubt noticed that budgeted outflows increase the Payment category, so hopefully it's no surprise an inflow would decrease it.)

    Personally, I'd let it be, because your next budgeted CC purchase or two will probably fix it. If it's not positive by the end of the month, then worry about covering it.

    In the future... If this is a paid-in-full card, you might consider paying only what they've asked for -- i.e., the statement balance. This will typically leave money in the Payment category, and that may be enough to prevent the category from going negative when you make a return right after the payment. (Still no interest.)

    Reply Like 3
  • Thanks everyone, I ended up asking for support.

    No bug, I made a mistake somewhere down the line when I was allocating money while I was paying off my credit card. Causing me to allocated more than I had. Yikes! But it's all good now.

    Reply Like 1
    • Sky Blue Moose I'm happy you were able to get things figured out! Thanks for posting an update! :)

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