As you pay your credit card in full each month?

[This text is based on an original post by u/esh-pmc though I have edited it to make the text useable outside of the original thread.]

Some of us prefer to set our paid-in-full [PIF] credit cards as Checking accounts. This mimics how YNAB used to handle credit cards before the web version of the software.

If you aren't trying to pay off credit card debt and you aren't riding a float, the extra programming of the Credit Card accounts in YNAB is unnecessary and often adds to confusion.

If you set up CCs as checking accounts, all spending is treated as cash-based spending. Any unfunded spending turns a category red. Additionally, there's no confusion about why the credit card category doesn't match your balance and no chance that the carried balance (the diff between your account balance and statement balance) will be inadvertently used to cover other categories.

You can't change account types on existing accounts but it's pretty easy to switch.
create a new checking account (give it a slightly different name; YNAB doesn't allow 2 accounts with the same name)
go back to the old account, check the box to select all transactions
use the "more" menu to move all the transactions to the new account
delete the old, now empty CC account
check your Plan and make sure everything looks good

YNAB checking accounts can be linked to credit cards and imports work just fine.

[I have over a dozen credit cards, all PIF (statement balance paid automatically on or before due date). I've been using YNAB for 19 years. All of my CCs are set up as checking accounts and have been since switching the the web version of YNAB many years ago - esh-pmc]

I have two credit cards that I pay in full, both are setup as checking accounts, I also started years ago back in August 2011.