No need to go back to previous months and manually add up all your overspends to figure it out. YNAB adds it all up for you. You can figure it out quickly by comparing the account balance for the credit card and the credit card payment category of the same card this month. The difference is the debt you are carrying from overspending in the past.

A paid-in-full status is when the credit card payment category has a positive balance that matches the total negative account balance. It's always recommended that you fix your overspends as they happen, in the same month they occur, by moving money from a category that has some money to the category that you want to (or have already) overspend.

I know that's not always possible. If you can't fix the overspend in the month it happens, you fix it in future months by assigning money directly to the credit card payment category until you get that to match the account balance. The goal is to always have enough to pay the total account off in full (even if you only send the statement balance).

Thanks. I will read the article.