# Credit Card Cash Advances

> If you transfer funds from a credit card to a cash account, this is a cash advance in YNAB. A few different things happen in your plan. Here's what to do!

Source: https://support.ynab.com/en_us/credit-card-cash-advances-an-overview-Hy6PmlOC9

Last updated: 2026-07-02T17:45:23.430Z

Understand how a credit card cash advance works in YNAB. Note that a cash advance is a transfer from a credit card to a cash account—like a checking, PayPal, or savings. Recognize that funds will leave the credit card account (increasing the amount owed on the card), move to the cash account, and increase the 'Ready To Assign' number in YNAB.

### What Happens in YNAB With a Credit Card Cash Advance

**Need a refresher on how to enter a transfer transaction?** Check out [our transfer transactions guide](https://support.ynab.com/en_us/transfer-transactions-a-guide-HJOsZz4Jj). 

1.  The Ready To Assign number at the top of the _Home_ or _Plan_ tab increases (because funds were transferred **into** a cash account). Want to confirm this is what happened? From the web app, click on the [Ready to Assign header](https://support.ynab.com/en_us/the-plan-header-BkmiuJ_C9#RTABreakdown) to reveal the number breakdown . There will be a line for **Inflow from Debt Account** if a cash advance has occurred this month. 
    
2.  You owe that much more on the credit card (because funds **left** your credit card account).
    
3.  The Credit Card Payment category Available remains unchanged. 
    
    1.  If you **intended to create new debt**, leave it this way.
        
    2.  If you did **not** intend to create new debt, assign the amount of the transfer to the Credit Card Payment category. For example, if your transfer was $20, assign $20 to the Credit Card Payment category now.
        
4.  Now is a good time to check that the Credit Card Payment category matches the account balance, if you plan to [pay your card in full](https://support.ynab.com/en_us/paid-in-full-credit-cards-a-guide-Hk56hPMyo).
    

#### Overspending Alert

It's also important to note that even when you assign money for the cash advance, the overspending bubble in the account register will not go away until next month. This can be safely ignored, as long as the Credit Card Payment amount matches the payment amount you plan to make.

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