It sucks, but why not just set to autopay?

I wish I could pay through the app too. But it only takes me a minute to login and pay. Still not as good as paying in the app, but not even close to 10 minutes.

Nothing I have heard about making the site better. You can pay over the phone or in store, but that sounds miserable. What takes 5 minutes about logging in? I have had issues in the past with security questions not working, but it seems like it has been ok the last 6 months or so.

i use the redcard cc and its really bad when it comes to auto-imports. really the worst of all my cc's and its not YNAB's fault. even the web UI no matter how many times i say remember me it wants me to 2FA every single time.

imo you should just use it old-school. no auto import, reconcile often, etc

Another quirk of the RedCard that others haven't mentioned:
The way they split transactions is an absolute nightmare. A $100 transaction will often post as three separate $50, $33, and $17 transactions. And the gift cards make it even worse. I've considered canning the card because of how irritating it is for YNAB.

Our solution is to have my wife's Target login information. I enter her transactions based on the Target order, rather than the RedCard transactions. It makes the orders easier to track, and Splitting the transactions for categorization can be done simultaneously. The key to not losing your mind about it is to allow a little bit of inaccuracy in the Splitting process.

I recently dealt with this exact issue (I started a new combined budget with my fiancé, who has a Target RedCard CC). We tried the different options people have mentioned…

YMMV but I think the best approach (for us) is to create an unlinked Credit Card account and manually enter all RedCard spending. Not ideal, but our other bank accounts are linked, so at minimum our payments on the Target card are still directly imported and tracked.

Making the RedCard a separate category (rather than a separate account) works fine but it prevents you from actually tracking/categorizing your spending at Target. We have separate categories for groceries, pet supplies, lawn/garden, etc, because they’re big overspending areas for us. I found that lumping all our Target RedCard spending into one category made it much harder to improve our spending/budgeting. For the same reason, it also skews your spending “reports” and amounts over time.

We don’t use the RedCard THAT much, so manual import isn’t a huge issue for us in this context.

Yeah. It’s a pain in the rear. You can link it to YNAB. The problem is the 2FA and the continuous importing by YNAB will cause your target account to be locked and you have to call the number on your card and get them to unlock it. For me it was more trouble than it’s worth.

Any reason she got a target credit card instead of a debit? Debit card gives the same 5% off that cc does. We have the debit card and since it’s linked with our checking account, we don’t need to add a separate target login.

I got the debit card and it comes right out of my checking. I get the discount without the worry of having another credit card.

You need to call the customer service line tbh

I ran out of funds and they charged me $20 for every transaction/toll that occurred after I hit a zero balance. My bill was reduced from 400 to 120 after talking to Customer Service.

Spend the credit balance on the card? Buy something you need. Stock up on groceries? Pay ahead on some of your utilities.

Are you trying to pay from an external bank account or your Navy Federal account. I believe you can only do it from your Navy Federal checking account. I have just looked and there's no option to make a monthly payment for my external account but there's an option to make a monthly payment when you're paying with your Navy account

yes there that is what I do I have payment set up

Not from an external account, unfortunately. You can make one time payments, but not a recurring autopay.

you're good it's paid already (on april 3)

payment due now is $0, i get the same message when paying manually while autopay is set up already

It's great to see you back on the sub! Happy to provide some clarity.

If you recently set up AutoPay online, it's important to know that these requests can take up to 2 - 3 business days to process. That said, based on the screenshots you provided, it looks like your payment went through on April 3, and you have no payment due. Please note that this feature is offered and managed through Elan Financial Services, our credit card service provider. If you have any questions regarding AutoPay or to confirm its status, we recommend reaching out to them. Their contact information is on the back of your credit card. You can also visit the link below to learn more.

Credit Card AutoPay

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1. Mainstream banks have no autopay option to pay the current balance.

2. It is generally not necessary to have 0 utilization.

3. If you have a charge card, it will not report utilization anyway.

I don't see one that allows for me to pay the current balance off

Do you mean the balance as of your last statement? I know of no way to dynamically pay an amount based on the actual balance on the day of payment. Or on the date of the statement generation. And I don't know why you would want to do this. Charging during the month, getting a statement with a balance, and paying it off by the next statement is pretty much how charge/credit cards work.

Paying the balance as of the last statement should be the default/top item listed and I suspect what a vast, vast majority of cardholders use. I have had statement balance as the payment amount set on 8 card for decades.

which is the best option to use that gets the card paid back off to $0 and report a $0 balance each month.

If you really want to have a $0 balance on your new statement, including items posted up to the day of your statement, you would need to manually pay that amount the last day of your billing cycle, possibly projecting which pending items would post that night before statement generation.

EDIT: Just checked. Statement Balance is indeed the first and default choice.

Will pay the previous month's statement balance in full adjusted for payments, returned payments, credits (excluding rewards redeemed for statement credits) and disputes since your last statement closing date.

This would be the same as

I've always just manually paid my cards on the day they were due

Just select “statement balance”. Look up “grace period” on a search engine and it should lead to the explanation of why exactly this option pays your card off in full and on time each cycle.

Your current balance reflects the previous billing cycle’s transactions (as well as the current cycle’s transactions) until the auto pay date. Auto pay will be the last statement’s balance. But not any transactions on the new, current cycle. The auto pay date may be quite a ways into the next billing cycle. Which is fine.

Go to Pay & Transfer >

Bill Pay Manage Accounts from Another Bank >

Other Pay From Other Accounts >

Add A Pay From Account you own from Your Other Institution

Might want to add a note that this is on the new system, I know mine is still setup under the old bill pay system. Most of the comments aren't relevant.

You're not crazy, I have functional external accounts under the old system and can't figure it out under the new one and do not have the option in the new system.

They're changing the payment system btw.. id recommend calling in to have someone guide you do doing it correctly

Boa ui/ux is terrible

I was stuck on how to setup autopay until I found these instructions.

https://www.reddit.com/r/CreditCards/comments/1ba1o96/setting_up_autopay_on_boa_credit_cards/

Do you mean like a bill pay or transfer once a month on the due date? Or multiple small payments a month?

If you have a checking in bofa, you can set automatic payment easily. If you have just credit card with bofa and trying to set it up from external institution then you would have to set it up with ebills. To activate ebills all the statements and stuffs should be electronic i.e. paperless. Then you can do ebills then only it will let you set up automatic payment easily. It might take 2 payment cycles I guess to start getting activated.

Yes but keep an eye on it as they have been arbitrarily closing accounts lately.