# Credit Card "True Balence" Offset

**URL:** <https://community.emma-app.com/t/credit-card-true-balence-offset/7972>\
**Category:** Feedback & Ideas\
**Created:** [June 23, 2026, 3:25pm UTC](https://community.emma-app.com/t/credit-card-true-balence-offset/7972 "2026-06-23T15:25:50Z")\
**Posts on this page:** 3\
**Page:** 1

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**Author:** ![Banksmart](https://avatars.discourse-cdn.com/v4/letter/b/e9a140/32.png) [@Banksmart](https://community.emma-app.com/u/Banksmart)\
**Post date:** [June 23, 2026, 3:25pm UTC](https://community.emma-app.com/t/credit-card-true-balence-offset/7972/1 "2026-06-23T15:25:50Z")

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If subscriptions and bills count towards your “True Balence” then surely your credit card balance should also do the same? Hopefully it would let users see how much there are to spend but still have enough left to pay off your credit card bills without going into overdraft!

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**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\
**Post date:** [June 23, 2026, 5:11pm UTC](https://community.emma-app.com/t/credit-card-true-balence-offset/7972/2 "2026-06-23T17:11:37Z")

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We count the predicted credit card charge?

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**Author:** ![Banksmart](https://avatars.discourse-cdn.com/v4/letter/b/e9a140/32.png) [@Banksmart](https://community.emma-app.com/u/Banksmart)\
**Post date:** [June 23, 2026, 6:01pm UTC](https://community.emma-app.com/t/credit-card-true-balence-offset/7972/3 "2026-06-23T18:01:27Z")

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I do… I use the Chase credit card and I put £700 for everyday spending… Debit for cashback payments and credit for everything else… Having the credit card counting towards ensures I have enough to pay back as it comes from the debit account.