Credit cards

A credit card isn’t like your other accounts: its balance isn’t your money, it’s credit you can spend and pay back later.

Adding a card

1. On the add-account screen, choose the Credit Card tab.
2. Pick the bank and give the card a Card Name.
3. Enter the Card Limit — the most the card allows.
4. Enter the Available Balance you have left, or the Outstanding Balance you owe.
5. Add the last four digits so the card’s messages find their way.

The Credit Card tab on the add-account screen.

The numbers you’ll see

Number	What it means
Card Limit	The most the card allows
Available Balance	What you can still spend
Outstanding Balance	What you owe and will pay back
Estimated minimum payment	The least you have to pay this month

The app estimates the minimum as 5% of what’s outstanding. If your statement says something else, enter it under Statement minimum payment and the app uses your figure instead.

Left out of your totals

Cards aren’t counted in your total balance by default, because their balance isn’t money you have. To count one anyway, turn on Include in net worth when you edit the account.

Payment reminders

On the card screen, turn on Payment reminder, set the Payment due date — a day each month — and how many days ahead you want to hear from us.

In months without that day, the last day of the month is used.

Marking a payment

When you’ve paid, tap Mark as paid. That clears this month’s obligation only; it doesn’t change the card’s balance, which updates from the payment transaction itself.

Tips

• Set the reminder at least two days ahead if you pay from another bank.
• If your card sends messages, add its last four digits — without them the transactions land somewhere else.

Common problems

The minimum doesn’t match my statement — that’s the app’s estimate. Enter your statement’s figure and it takes over.

My card’s balance is reducing my total — Include in net worth is on. Turn it off when you edit the account.