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I've used Mint for years. It started as a cool tool to track you transactions. It then turned into a tool to sell me credit cards. The transaction logging nev

I've used Mint for years. It started as a cool tool to track you transactions. It then turned into a tool to sell me credit cards. The transaction logging never got "smarter". Example: I use a credit card for everyday purchases and then pay it off each month. Mint counted every transaction AND my payment at debits therefore each month it showed I was spending double. Despite my efforts to train Mint to stop this, it never worked. Last year I tried adding all my financial accounts, but it fell flat on it's face and never resolved the issue I had with double reporting (despite Mint knowing everything about my financial world). I recently pulled all my accounts and added back only my primary credit card. I'll now use it only for the occasional "gotcha" such as a bank fee, double transaction or unrecognized transaction. I no longer am interested in fixing miscategorization.

tguedes 7y ago
Idk why it didn't work for you but I have both my bank account and credit card on mint and like you I pay it off fully each month. Each transaction on my credit card shows on my budget. When I pay off my credit card, a transaction shows up on the credit card side, say +$1000, I put this is Credit Card Payment. Since I have my bank account also in Mint, another transaction of -$1000 comes my bank account and I put this in Credit Card Payment, so it cancels out. I've done this enough that I no longer have to do it manually.
- josefresco 7y ago
  Yeah I have no clue. I performed those same steps but it never seemed to reflect on the budgets and income/debt reports. I've tried a half a dozen times to sort these and other issues out, and I've simply given up.
basch 7y ago
When I pay a credit card, its a credit and a debit. You see the money leave a checking account, and applied to the credit card. IF for some reason the sign is backwards, open a support case with them, tell them they are interpreting the data wrong, and after spending a little time convincing level 1 and 2 support you arent wrong, they forward your call to engineering. In my experience, everything ive ever reported to them about them incorrectly ingesting data, gets fixed. (not always super promptly, but they fix it.)
- josefresco 7y ago
  Good to know, thanks for sharing. I may give it a final try.

tguedes 7y ago

Idk why it didn't work for you but I have both my bank account and credit card on mint and like you I pay it off fully each month. Each transaction on my credit card shows on my budget. When I pay off my credit card, a transaction shows up on the credit card side, say +$1000, I put this is Credit Card Payment. Since I have my bank account also in Mint, another transaction of -$1000 comes my bank account and I put this in Credit Card Payment, so it cancels out. I've done this enough that I no longer have to do it manually.

josefresco 7y ago
Yeah I have no clue. I performed those same steps but it never seemed to reflect on the budgets and income/debt reports. I've tried a half a dozen times to sort these and other issues out, and I've simply given up.

basch 7y ago

When I pay a credit card, its a credit and a debit. You see the money leave a checking account, and applied to the credit card. IF for some reason the sign is backwards, open a support case with them, tell them they are interpreting the data wrong, and after spending a little time convincing level 1 and 2 support you arent wrong, they forward your call to engineering. In my experience, everything ive ever reported to them about them incorrectly ingesting data, gets fixed. (not always super promptly, but they fix it.)

josefresco 7y ago
Good to know, thanks for sharing. I may give it a final try.