Re: [GNC] reconciling specific credit cards in an account
Sounds like you are confusing your bank account debit card with a credit card. They may look the same, but the debit card will directly draw funds from the checking account. If you are having to enter a PIN number when you use that card, it's almost certainly a debit card. -Original Message- From: gnucash-user On Behalf Of scum buster Sent: Wednesday, February 16, 2022 8:03 PM To: gnucash-user@gnucash.org Subject: Re: [GNC] reconciling specific credit cards in an account I have been using Gnucash for years..currently version 3.7. I very much appreciate the program.I used quicken for years til I started using Gnucash. Have never used this forum before, so I hope I don't screw this up. LOL I am not a Gnucash expertI know I do some things wrong but I get by One thing I always seem to have issues with (I am sure it is user error).is with my checking account and credit card charges that come through that account I download my checking account data as a quicken file and "import" that. I have a few credit cards with one company. The charges come through as " bankname online payment" when they hit my checking account. That would be fine if I had only one credit card with that bank. But with a few different cards, I have issues trying to get them to auto-reconcile correctly and end up having to manually add the items and manually pick the right account..and that ends up making duplicate charges somehow. What is the right way to set things up so that Gnucash knows what credit card account is being referenced when the charges hit my checking account? Thanks for your help! -Original Message- From: gnucash-user [mailto:gnucash-user-bounces+scumbuster=comcast@gnucash.org] On Behalf Of gnucash-user-requ...@gnucash.org Sent: Wednesday, February 16, 2022 12:00 PM To: gnucash-user@gnucash.org Subject: gnucash-user Digest, Vol 227, Issue 32 Send gnucash-user mailing list submissions to gnucash-user@gnucash.org To subscribe or unsubscribe via the World Wide Web, visit https://lists.gnucash.org/mailman/listinfo/gnucash-user or, via email, send a message with subject or body 'help' to gnucash-user-requ...@gnucash.org You can reach the person managing the list at gnucash-user-ow...@gnucash.org When replying, please edit your Subject line so it is more specific than "Re: Contents of gnucash-user digest..." -- This email has been checked for viruses by Avast antivirus software. https://www.avast.com/antivirus ___ gnucash-user mailing list gnucash-user@gnucash.org To update your subscription preferences or to unsubscribe: https://lists.gnucash.org/mailman/listinfo/gnucash-user If you are using Nabble or Gmane, please see https://wiki.gnucash.org/wiki/Mailing_Lists for more information. - Please remember to CC this list on all your replies. You can do this by using Reply-To-List or Reply-All. ___ gnucash-user mailing list gnucash-user@gnucash.org To update your subscription preferences or to unsubscribe: https://lists.gnucash.org/mailman/listinfo/gnucash-user If you are using Nabble or Gmane, please see https://wiki.gnucash.org/wiki/Mailing_Lists for more information. - Please remember to CC this list on all your replies. You can do this by using Reply-To-List or Reply-All.
Re: [GNC] reconciling specific credit cards in an account
I bet it is one of those banks that begins with the letter 'C'. I have that problem too. I have to rely on timing and amount to differentiate, and GnuCash is not good with using amounts to differentiate. On Fri, Feb 18, 2022 at 9:30 AM scum buster wrote: > Hi > > Thanks for the reply. > > No, I don't use debit cards. > > The issue is that one bank services a few of my credit cards. And the > downloads show them all the same --- "bankname online payment" with no > differentiation of what specific credit card account that line item is for. > > Gnucash doesn't show any other info than that upon reconciling, probably > because the bank doesn't provide it. > > My only other solution would be to have only one credit card per bank > name...then it's a no brainer which credit card account goes with what. > > But that's not practical for me. > > > -Original Message- > From: John Layman [mailto:john.lay...@laymanandlayman.com] > Sent: Thursday, February 17, 2022 12:56 PM > To: 'scum buster'; gnucash-user@gnucash.org > Subject: RE: [GNC] reconciling specific credit cards in an account > > Sounds like you are confusing your bank account debit card with a credit > card. They may look the same, but the debit card will directly draw funds > from the checking account. If you are having to enter a PIN number when > you > use that card, it's almost certainly a debit card. > > -Original Message- > From: gnucash-user > On Behalf Of scum buster > Sent: Wednesday, February 16, 2022 8:03 PM > To: gnucash-user@gnucash.org > Subject: Re: [GNC] reconciling specific credit cards in an account > > I have been using Gnucash for years..currently version 3.7. I very > much > appreciate the program.I used quicken for years til I started using > Gnucash. > > Have never used this forum before, so I hope I don't screw this up. LOL > > I am not a Gnucash expertI know I do some things wrong but I get by > > One thing I always seem to have issues with (I am sure it is user > error).is with my checking account and credit card charges that come > through that account > > I download my checking account data as a quicken file and "import" that. > > I have a few credit cards with one company. The charges come through as " > bankname online payment" when they hit my checking account. > > That would be fine if I had only one credit card with that bank. > > But with a few different cards, I have issues trying to get them to > auto-reconcile correctly and end up having to manually add the items and > manually pick the right account..and that ends up making duplicate > charges somehow. > > What is the right way to set things up so that Gnucash knows what credit > card account is being referenced when the charges hit my checking account? > > Thanks for your help! > > > -Original Message- > From: gnucash-user > [mailto:gnucash-user-bounces+scumbuster=comcast@gnucash.org] On Behalf > Of gnucash-user-requ...@gnucash.org > Sent: Wednesday, February 16, 2022 12:00 PM > To: gnucash-user@gnucash.org > Subject: gnucash-user Digest, Vol 227, Issue 32 > > Send gnucash-user mailing list submissions to > gnucash-user@gnucash.org > > To subscribe or unsubscribe via the World Wide Web, visit > https://lists.gnucash.org/mailman/listinfo/gnucash-user > or, via email, send a message with subject or body 'help' to > gnucash-user-requ...@gnucash.org > > You can reach the person managing the list at > gnucash-user-ow...@gnucash.org > > When replying, please edit your Subject line so it is more specific than > "Re: Contents of gnucash-user digest..." > > > -- > This email has been checked for viruses by Avast antivirus software. > https://www.avast.com/antivirus > > ___ > gnucash-user mailing list > gnucash-user@gnucash.org > To update your subscription preferences or to unsubscribe: > https://lists.gnucash.org/mailman/listinfo/gnucash-user > If you are using Nabble or Gmane, please see > https://wiki.gnucash.org/wiki/Mailing_Lists for more information. > - > Please remember to CC this list on all your replies. > You can do this by using Reply-To-List or Reply-All. > > > ___ > gnucash-user mailing list > gnucash-user@gnucash.org > To update your subscription preferences or to unsubscribe: > https://lists.gnucash.org/mailman/listinfo/gnucash-user > If you are using Nabble or Gmane, please see > https://wiki.gnucash.org/wiki/Mailing_Lists f
Re: [GNC] reconciling specific credit cards in an account
Hi Thanks for the reply. No, I don't use debit cards. The issue is that one bank services a few of my credit cards. And the downloads show them all the same --- "bankname online payment" with no differentiation of what specific credit card account that line item is for. Gnucash doesn't show any other info than that upon reconciling, probably because the bank doesn't provide it. My only other solution would be to have only one credit card per bank name...then it's a no brainer which credit card account goes with what. But that's not practical for me. -Original Message- From: John Layman [mailto:john.lay...@laymanandlayman.com] Sent: Thursday, February 17, 2022 12:56 PM To: 'scum buster'; gnucash-user@gnucash.org Subject: RE: [GNC] reconciling specific credit cards in an account Sounds like you are confusing your bank account debit card with a credit card. They may look the same, but the debit card will directly draw funds from the checking account. If you are having to enter a PIN number when you use that card, it's almost certainly a debit card. -Original Message- From: gnucash-user On Behalf Of scum buster Sent: Wednesday, February 16, 2022 8:03 PM To: gnucash-user@gnucash.org Subject: Re: [GNC] reconciling specific credit cards in an account I have been using Gnucash for years..currently version 3.7. I very much appreciate the program.I used quicken for years til I started using Gnucash. Have never used this forum before, so I hope I don't screw this up. LOL I am not a Gnucash expertI know I do some things wrong but I get by One thing I always seem to have issues with (I am sure it is user error).is with my checking account and credit card charges that come through that account I download my checking account data as a quicken file and "import" that. I have a few credit cards with one company. The charges come through as " bankname online payment" when they hit my checking account. That would be fine if I had only one credit card with that bank. But with a few different cards, I have issues trying to get them to auto-reconcile correctly and end up having to manually add the items and manually pick the right account..and that ends up making duplicate charges somehow. What is the right way to set things up so that Gnucash knows what credit card account is being referenced when the charges hit my checking account? Thanks for your help! -Original Message- From: gnucash-user [mailto:gnucash-user-bounces+scumbuster=comcast@gnucash.org] On Behalf Of gnucash-user-requ...@gnucash.org Sent: Wednesday, February 16, 2022 12:00 PM To: gnucash-user@gnucash.org Subject: gnucash-user Digest, Vol 227, Issue 32 Send gnucash-user mailing list submissions to gnucash-user@gnucash.org To subscribe or unsubscribe via the World Wide Web, visit https://lists.gnucash.org/mailman/listinfo/gnucash-user or, via email, send a message with subject or body 'help' to gnucash-user-requ...@gnucash.org You can reach the person managing the list at gnucash-user-ow...@gnucash.org When replying, please edit your Subject line so it is more specific than "Re: Contents of gnucash-user digest..." -- This email has been checked for viruses by Avast antivirus software. https://www.avast.com/antivirus ___ gnucash-user mailing list gnucash-user@gnucash.org To update your subscription preferences or to unsubscribe: https://lists.gnucash.org/mailman/listinfo/gnucash-user If you are using Nabble or Gmane, please see https://wiki.gnucash.org/wiki/Mailing_Lists for more information. - Please remember to CC this list on all your replies. You can do this by using Reply-To-List or Reply-All. ___ gnucash-user mailing list gnucash-user@gnucash.org To update your subscription preferences or to unsubscribe: https://lists.gnucash.org/mailman/listinfo/gnucash-user If you are using Nabble or Gmane, please see https://wiki.gnucash.org/wiki/Mailing_Lists for more information. - Please remember to CC this list on all your replies. You can do this by using Reply-To-List or Reply-All.
Re: [GNC] reconciling specific credit cards in an account
"scum buster", If you can't get the info to download from the bank correctly to the proper credit card, you can change that in the bank tab itself. If you only have 2 or 3 cards from the same bank you only have to change 1 or 2 records in the bank register. Just click on the liability:credit card and then the arrow and select the proper account. Thank You, Gyle McCollam Gyle McCollam 609.680.2326 Mobile gmccol...@live.com<mailto:gmccol...@gyleshomes.com> email From: gnucash-user on behalf of David Carlson Sent: Wednesday, February 16, 2022 11:01 PM To: Adrien Monteleone Cc: GnuCash List Subject: Re: [GNC] reconciling specific credit cards in an account If the OP "scum buster" does not track the details in the credit cards at all, only the monthly payments from the bank account to the credit cards, then he may not even be tracking them as individual liability accounts. Perhaps they are just expense accounts. My sister does it that way, it works for her. In that case the payments could very well look too similar in the bank account download even for the bayesian matching algorithm to assign them correctly. In my personal experience, GnuCash is always confusing restaurant and gasoline purchases even when many are at the same few merchants. While I could suggest manually tracking by date and amount even to the point of managing the payments to different cards to always be for different amounts, GnuCash may still not be able to automatically assign them correctly. Then the user simply has to develop a procedure to individually inspect each transaction carefully during the matching step of the import to be sure that it is correctly assigned. Again, from my own experience, for one bank account I actually print out the register from the online banking page in order to see every word in each transaction item before I import it to GnuCash. Sometimes I even markup that printout to be sure I can import it correctly. Can't do that on a computer screen, [unless I use dry erase markers]. As for manually entering every transaction, few of us have time for that. We mostly just scan the printout for items that look suspicious, like that purchase of a computer and TV in Florida when we were not there or a string of several out-of-town or online purchases on the same day. On Wed, Feb 16, 2022 at 8:28 PM Adrien Monteleone < adrien.montele...@lusfiber.net> wrote: > If you have multiple cards from the same bank, you'll need to > differentiate them in GnuCash somehow. Some people use the last digits, > some the card 'brand' which can be different, even from the same bank. > (not just card 'type' though that may be sufficient) > > Your Bank *might* offer you the ability to tag or nickname your > transactions before import. Your Card company might offer the same, > though more than likely, you'll have to do that well in advance of the > transaction going through for such info to be sent to the bank. > > Another option would be to manually edit the import file, appending your > differentiation prior to import. > > - > > As for the 'right way', I'd say the 'best way' is to always enter all of > your transactions by hand. Importing should be part of the 'clearing' > process prior to reconciliation. > > Clear (and if possible Reconcile) the Card accounts first, then do > Checking. > > Reconciliation is making sure your books agree with your institution's > version of your account(s). There's little point if all you are doing is > importing their version anyway. > > Regards, > Adrien > > On 2/16/22 7:02 PM, scum buster wrote: > > I have been using Gnucash for years..currently version 3.7. I very > much > > appreciate the program.I used quicken for years til I started using > > Gnucash. > > > > Have never used this forum before, so I hope I don't screw this up. LOL > > > > I am not a Gnucash expertI know I do some things wrong but I get > by > > > > One thing I always seem to have issues with (I am sure it is user > > error).is with my checking account and credit card charges that come > > through that account > > > > I download my checking account data as a quicken file and "import" that. > > > > I have a few credit cards with one company. The charges come through as > " > > bankname online payment" when they hit my checking account. > > > > That would be fine if I had only one credit card with that bank. > > > > But with a few different cards, I have issues trying to get them to > > auto-reconcile correctly and end up having to manually add the items and &g
Re: [GNC] reconciling specific credit cards in an account
If the OP "scum buster" does not track the details in the credit cards at all, only the monthly payments from the bank account to the credit cards, then he may not even be tracking them as individual liability accounts. Perhaps they are just expense accounts. My sister does it that way, it works for her. In that case the payments could very well look too similar in the bank account download even for the bayesian matching algorithm to assign them correctly. In my personal experience, GnuCash is always confusing restaurant and gasoline purchases even when many are at the same few merchants. While I could suggest manually tracking by date and amount even to the point of managing the payments to different cards to always be for different amounts, GnuCash may still not be able to automatically assign them correctly. Then the user simply has to develop a procedure to individually inspect each transaction carefully during the matching step of the import to be sure that it is correctly assigned. Again, from my own experience, for one bank account I actually print out the register from the online banking page in order to see every word in each transaction item before I import it to GnuCash. Sometimes I even markup that printout to be sure I can import it correctly. Can't do that on a computer screen, [unless I use dry erase markers]. As for manually entering every transaction, few of us have time for that. We mostly just scan the printout for items that look suspicious, like that purchase of a computer and TV in Florida when we were not there or a string of several out-of-town or online purchases on the same day. On Wed, Feb 16, 2022 at 8:28 PM Adrien Monteleone < adrien.montele...@lusfiber.net> wrote: > If you have multiple cards from the same bank, you'll need to > differentiate them in GnuCash somehow. Some people use the last digits, > some the card 'brand' which can be different, even from the same bank. > (not just card 'type' though that may be sufficient) > > Your Bank *might* offer you the ability to tag or nickname your > transactions before import. Your Card company might offer the same, > though more than likely, you'll have to do that well in advance of the > transaction going through for such info to be sent to the bank. > > Another option would be to manually edit the import file, appending your > differentiation prior to import. > > - > > As for the 'right way', I'd say the 'best way' is to always enter all of > your transactions by hand. Importing should be part of the 'clearing' > process prior to reconciliation. > > Clear (and if possible Reconcile) the Card accounts first, then do > Checking. > > Reconciliation is making sure your books agree with your institution's > version of your account(s). There's little point if all you are doing is > importing their version anyway. > > Regards, > Adrien > > On 2/16/22 7:02 PM, scum buster wrote: > > I have been using Gnucash for years..currently version 3.7. I very > much > > appreciate the program.I used quicken for years til I started using > > Gnucash. > > > > Have never used this forum before, so I hope I don't screw this up. LOL > > > > I am not a Gnucash expertI know I do some things wrong but I get > by > > > > One thing I always seem to have issues with (I am sure it is user > > error).is with my checking account and credit card charges that come > > through that account > > > > I download my checking account data as a quicken file and "import" that. > > > > I have a few credit cards with one company. The charges come through as > " > > bankname online payment" when they hit my checking account. > > > > That would be fine if I had only one credit card with that bank. > > > > But with a few different cards, I have issues trying to get them to > > auto-reconcile correctly and end up having to manually add the items and > > manually pick the right account..and that ends up making duplicate > > charges somehow. > > > > What is the right way to set things up so that Gnucash knows what credit > > card account is being referenced when the charges hit my checking > account? > > ___ > gnucash-user mailing list > gnucash-user@gnucash.org > To update your subscription preferences or to unsubscribe: > https://lists.gnucash.org/mailman/listinfo/gnucash-user > If you are using Nabble or Gmane, please see > https://wiki.gnucash.org/wiki/Mailing_Lists for more information. > - > Please remember to CC this list on all your replies. > You can do this by using Reply-To-List or Reply-All. > -- David Carlson ___ gnucash-user mailing list gnucash-user@gnucash.org To update your subscription preferences or to unsubscribe: https://lists.gnucash.org/mailman/listinfo/gnucash-user If you are using Nabble or Gmane, please see https://wiki.gnucash.org/wiki/Mailing_Lists for more information. - Please remember to CC this list on all your
Re: [GNC] reconciling specific credit cards in an account
If you have multiple cards from the same bank, you'll need to differentiate them in GnuCash somehow. Some people use the last digits, some the card 'brand' which can be different, even from the same bank. (not just card 'type' though that may be sufficient) Your Bank *might* offer you the ability to tag or nickname your transactions before import. Your Card company might offer the same, though more than likely, you'll have to do that well in advance of the transaction going through for such info to be sent to the bank. Another option would be to manually edit the import file, appending your differentiation prior to import. - As for the 'right way', I'd say the 'best way' is to always enter all of your transactions by hand. Importing should be part of the 'clearing' process prior to reconciliation. Clear (and if possible Reconcile) the Card accounts first, then do Checking. Reconciliation is making sure your books agree with your institution's version of your account(s). There's little point if all you are doing is importing their version anyway. Regards, Adrien On 2/16/22 7:02 PM, scum buster wrote: I have been using Gnucash for years..currently version 3.7. I very much appreciate the program.I used quicken for years til I started using Gnucash. Have never used this forum before, so I hope I don't screw this up. LOL I am not a Gnucash expertI know I do some things wrong but I get by One thing I always seem to have issues with (I am sure it is user error).is with my checking account and credit card charges that come through that account I download my checking account data as a quicken file and "import" that. I have a few credit cards with one company. The charges come through as " bankname online payment" when they hit my checking account. That would be fine if I had only one credit card with that bank. But with a few different cards, I have issues trying to get them to auto-reconcile correctly and end up having to manually add the items and manually pick the right account..and that ends up making duplicate charges somehow. What is the right way to set things up so that Gnucash knows what credit card account is being referenced when the charges hit my checking account? ___ gnucash-user mailing list gnucash-user@gnucash.org To update your subscription preferences or to unsubscribe: https://lists.gnucash.org/mailman/listinfo/gnucash-user If you are using Nabble or Gmane, please see https://wiki.gnucash.org/wiki/Mailing_Lists for more information. - Please remember to CC this list on all your replies. You can do this by using Reply-To-List or Reply-All.
Re: [GNC] reconciling specific credit cards in an account
The only way GnuCash can possibly know which of multiple cards a transaction is from is if that information is somehow contained in the data fields of the record that is being imported, usually something in the description field. GnuCash tokenizes the information in a number of fields including the description so it will attempt to match but unless there is a token or combination of tokens which is unique for each credit card it is not likely to be successful. You could try downloading and importing the files as OFX files. This has a service provider field which may contain useful information if the credit cards were with different providers. GnuCash may or may not utilize information from this field however. The only other thing you could do is request the bank to include the credit card number associated with the transaction in the description field in which case the Bayesian matching should assign correctly once it has been initially trained to map a given credit card number onto a specific account. Does your credit card provider not supply downloads of the transactions associated with each credit card separately? My bank (also the credit card issuer) does this for each of the credit cards issued to me and I am able to import these separately for each card. The transactions between my bank account and credit card liability account are only for the payments to the credit card account. David Cousens On Wed, 2022-02-16 at 20:02 -0500, scum buster wrote: > I have been using Gnucash for years..currently version 3.7. I very much > appreciate the program.I used quicken for years til I started using > Gnucash. > > Have never used this forum before, so I hope I don't screw this up. LOL > > I am not a Gnucash expertI know I do some things wrong but I get by > > One thing I always seem to have issues with (I am sure it is user > error).is with my checking account and credit card charges that come > through that account > > I download my checking account data as a quicken file and "import" that. > > I have a few credit cards with one company. The charges come through as " > bankname online payment" when they hit my checking account. > > That would be fine if I had only one credit card with that bank. > > But with a few different cards, I have issues trying to get them to > auto-reconcile correctly and end up having to manually add the items and > manually pick the right account..and that ends up making duplicate > charges somehow. > > What is the right way to set things up so that Gnucash knows what credit > card account is being referenced when the charges hit my checking account? > > Thanks for your help! > > > -Original Message- > From: gnucash-user > [mailto:gnucash-user-bounces+scumbuster=comcast@gnucash.org] On Behalf > Of gnucash-user-requ...@gnucash.org > Sent: Wednesday, February 16, 2022 12:00 PM > To: gnucash-user@gnucash.org > Subject: gnucash-user Digest, Vol 227, Issue 32 > > Send gnucash-user mailing list submissions to > gnucash-user@gnucash.org > > To subscribe or unsubscribe via the World Wide Web, visit > https://lists.gnucash.org/mailman/listinfo/gnucash-user > or, via email, send a message with subject or body 'help' to > gnucash-user-requ...@gnucash.org > > You can reach the person managing the list at > gnucash-user-ow...@gnucash.org > > When replying, please edit your Subject line so it is more specific than > "Re: Contents of gnucash-user digest..." > > ___ gnucash-user mailing list gnucash-user@gnucash.org To update your subscription preferences or to unsubscribe: https://lists.gnucash.org/mailman/listinfo/gnucash-user If you are using Nabble or Gmane, please see https://wiki.gnucash.org/wiki/Mailing_Lists for more information. - Please remember to CC this list on all your replies. You can do this by using Reply-To-List or Reply-All.
Re: [GNC] reconciling specific credit cards in an account
I have been using Gnucash for years..currently version 3.7. I very much appreciate the program.I used quicken for years til I started using Gnucash. Have never used this forum before, so I hope I don't screw this up. LOL I am not a Gnucash expertI know I do some things wrong but I get by One thing I always seem to have issues with (I am sure it is user error).is with my checking account and credit card charges that come through that account I download my checking account data as a quicken file and "import" that. I have a few credit cards with one company. The charges come through as " bankname online payment" when they hit my checking account. That would be fine if I had only one credit card with that bank. But with a few different cards, I have issues trying to get them to auto-reconcile correctly and end up having to manually add the items and manually pick the right account..and that ends up making duplicate charges somehow. What is the right way to set things up so that Gnucash knows what credit card account is being referenced when the charges hit my checking account? Thanks for your help! -Original Message- From: gnucash-user [mailto:gnucash-user-bounces+scumbuster=comcast@gnucash.org] On Behalf Of gnucash-user-requ...@gnucash.org Sent: Wednesday, February 16, 2022 12:00 PM To: gnucash-user@gnucash.org Subject: gnucash-user Digest, Vol 227, Issue 32 Send gnucash-user mailing list submissions to gnucash-user@gnucash.org To subscribe or unsubscribe via the World Wide Web, visit https://lists.gnucash.org/mailman/listinfo/gnucash-user or, via email, send a message with subject or body 'help' to gnucash-user-requ...@gnucash.org You can reach the person managing the list at gnucash-user-ow...@gnucash.org When replying, please edit your Subject line so it is more specific than "Re: Contents of gnucash-user digest..." -- This email has been checked for viruses by Avast antivirus software. https://www.avast.com/antivirus ___ gnucash-user mailing list gnucash-user@gnucash.org To update your subscription preferences or to unsubscribe: https://lists.gnucash.org/mailman/listinfo/gnucash-user If you are using Nabble or Gmane, please see https://wiki.gnucash.org/wiki/Mailing_Lists for more information. - Please remember to CC this list on all your replies. You can do this by using Reply-To-List or Reply-All.
