Help center · Transactions
How to track credit-card purchases
Card purchases = Expense from the card. Bill payment = Transfer from bank to card.
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To track credit-card spending in Extrack, add a Credit Card account from the Accounts page. Post each purchase as an Expense with that card as "Paid from". The card balance grows as you charge. When you pay the bill, record a Transfer with the bank as "Paid from" and the card as "Paid to" — never a second Expense, which would double-count.
Steps
Create the credit-card account
Accounts → + New account → pick the Credit Card type. Optionally set statement day, payment due day, annual fee and renewal date — Extrack uses these for "due soon" warnings.
Post purchases against the card
Every time you swipe, open the New transaction modal, pick Expense, pick the card in "Paid from", enter the amount, categorise as normal.
Tip — For purchases you forgot to log in real time, catch up from the monthly statement — one row per merchant or one summary row per category.
Record the bill payment as a Transfer
New transaction → Transfer → "Paid from" = bank, "Paid to" = credit-card account. Both balances update. Card balance moves toward zero; bank drops by the payment.
Fees and interest as separate Expenses
Annual fee, late fee, finance charge — each is an Expense with the credit-card account as "Paid from", categorised "Bank charges" or similar.
Why pay-bill is a Transfer, not an Expense
The purchase already counted as an Expense when you swiped. Paying the card off later is moving money you already owe from one account (bank) to another (card). Recording the payment as a second Expense would double-count it. Always use Transfer.
If you only track card payments and not individual purchases, your category reports will be empty and budgets will not work. Post purchases as they happen — even retroactively from the statement.
Frequently asked
What is the difference between statement day and payment due day?
Statement day is when the bank closes the billing cycle. Payment due day is the deadline to pay without interest (usually 15–20 days after statement). Both feed the dashboard "due in N days" warnings.
I paid less than the full statement — what next?
Record the partial payment as a Transfer for what you actually paid. The unpaid balance stays on the card; interest charged next cycle posts as an Expense from the card.
Can Extrack auto-import card transactions?
No. Extrack is deliberately user-entered — no bank login, no third-party access. Manual entry keeps your credentials and statement data on your devices.
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