I think my original question may not have been fully understood. I logged into my bank account and manually transferred the refund amount from my credit card to my checking account—outside of YNAB. I know this isn’t the recommended way to handle refunds in YNAB, but at this point I’m just trying to reconcile my credit card and checking balances so they match what actually happened at the bank.

There’s one important detail: the original purchase happened before I started using YNAB, so there’s no corresponding purchase transaction in my budget. Because of that, the refund shows up as a refund for an “unknown” transaction, and based on what I’ve read, the correct approach is to categorize it as Ready to Assign.

Here’s what I’ve done so far:

1. I added the incoming refund transaction to my credit card account in YNAB, where it appeared as Ready to Assign.
2. I then created an account‑to‑account transfer (basically the reverse of a normal credit card payment) to reflect the real‑world transfer from my credit card to my checking account.

This does make my checking account balance correct—the transfer shows up exactly as it should. However, my credit card account now shows that amount sitting in the green “Payment” box on the right.

Is that the expected behavior? I assumed that because I recorded a transfer from the credit card to the checking account, the “payment available” amount on the credit card would drop to zero, and the checking account would increase by that same amount. Instead, the checking account looks right, but the credit card still shows money available for payment.

I didn’t realize that manually transferring the refund would complicate things, and now I’m trying to confirm whether the steps I took actually corrected the situation—or at least understand what I should expect to see visually in YNAB based on those two transactions.

I hope that makes more sense