Credit card limit and transaction history

Provide users with the following options:

Exclude Credit Card Limits from Total Account Balance

Allow users to exclude their Credit Card Limit from the Total Accounts Balance - the amount displayed on the left side of the screen significantly differs from the balance shown in the dashboard.

A Credit Card Limit is not technically the user’s money. It represents the maximum amount they are allowed to borrow and should therefore not be presented as money they “own” or have available. Including the full credit limit in the total balance can give users a misleading view of their actual financial position.

Include Credit Card Expenses in Transaction History

Allow users to include Credit Card expenses and repayments in their regular transaction history and latest transactions list, even when the Credit Card is excluded from the Total Accounts Balance.

Currently, excluding a Credit Card in the settings appears to remove it from all statistics and transaction views. These should ideally be separate settings:

--Exclude the Credit Card Limit from the Total Accounts Balance
--Continue displaying Credit Card transactions and expenses in transaction history and statistics

This would allow users to exclude available credit from their actual balance while still maintaining a complete record of their spending.

Thanks Sbzz

Posted by Sbzz · Aug 30

Completed4

dmytro_sv

Team•

Sep 8

These are already two separate settings. To drop the credit limit from your total balance, turn on Settings → General → "Include credit limit in stats". Leave the card's per-account "Exclude from stats" switch off, and its transactions stay in history, latest transactions, and all statistics

Sbzz
•
Sep 10
Thanks for that, it worked but not fully.
“Transferring” funds from a debit account/card to a credit card should be classified as an expense, as it is essentially paying off credit card expenses rather than a simple transfer. This affects your actual available balance.
Hope that makes sense.
- dmytro_sv
  Team•
  Sep 10
  As I understand, your case is:
  1. Initial balances: Debit 1000, Card 0. Expense stats: 0 (no records yet).
  2. Coffee purchase with Card for 100. Card becomes -100, total becomes 900, expense stats become 100 (the coffee).
  3. Transfer 100 from Debit → Card to repay the negative balance. The system changes Debit 1000 → 900, Card -100 → 0. Total stays at 900, expense stats stay at 100.
  If I read you right, you'd expect expenses to become 200 after step 3, because you made a "repayment". That feels intuitive, but mathematically you only moved funds from one pocket to another. Buying a 100 coffee and then repaying 100 doesn't mean you spent 200, you still spent 100. Counting the repayment as an expense would only make sense if the coffee purchase itself wasn't counted, and then the card's own history would be wrong instead.
  > This affects your actual available balance
  That's exactly how it already works: the 100 purchase reduces your net worth by 100 the moment it happens, and the repayment just moves money between your accounts. Total balance is always "real balance minus liabilities", so the repayment can't change it.
  If you're not logging purchases on the card itself (only the repayments), tell me more about your flow and I'll think it through.
  Sbzz
  •
  Sep 10
  Thanks for that but here is a sample flow.
  Accounts Total Account Balance 200 (CC limit or balance not included)
  »Credit limit 200
  » Current balance 0
  »Amount on Debit Card 200
  Expenses:
  Coffee purchase 200 (Payment type Credit Card)
  » Current balance -200
  In this scenario, how do you make your CC repayment to get your CC Current balance to 0?
  Transfer 200 from Debit Card to Credit card , which means
  Accounts Total balance 0
  Current balance on CC 0
  Current Balance of DC 0
  At the moment Transferring from Debit Card to Credit Card is not changing the Total Balance - it still showing 200.
  Hope that makes sense?

Credit card limit and transaction history

Comments4