# Credit Cards - Everyday vs Debt

**URL:** <https://community.emma-app.com/t/credit-cards-everyday-vs-debt/7421>\
**Category:** Feedback & Ideas\
**Created:** [April 21, 2025, 9:44am UTC](https://community.emma-app.com/t/credit-cards-everyday-vs-debt/7421 "2025-04-21T09:44:50Z")\
**Posts on this page:** 4\
**Page:** 1

<div class="post-metadata">

**Author:** ![mrchrisbrogan](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/mrchrisbrogan/32/2589_2.png) [@mrchrisbrogan](https://community.emma-app.com/u/mrchrisbrogan)\
**Post date:** [April 21, 2025, 9:44am UTC](https://community.emma-app.com/t/credit-cards-everyday-vs-debt/7421/1 "2025-04-21T09:44:50Z")

</div>

I hope this isn’t posted somewhere else, however it would make sense (to me anyway) if Emma could differentiate between “Everyday” Credit Card(s) and those with a balance (Debt) - that you may use on balance transfer deals/paying for large costs and repaying over time - loan style categorisation.

For my case for example, I use two cards - Amex and Monzo Flex (for places that do not take Amex) - the setup as is works great for this, budgeting, payments excluded from analytics.

It gets muddied with credit cards with an ongoing balance, where the payments made monthly are like a bill, chipping away at a debt.

---

<div class="post-metadata">

**Author:** ![mrchrisbrogan](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/mrchrisbrogan/32/2589_2.png) [@mrchrisbrogan](https://community.emma-app.com/u/mrchrisbrogan)\
**Post date:** [April 23, 2025, 1:44pm UTC](https://community.emma-app.com/t/credit-cards-everyday-vs-debt/7421/2 "2025-04-23T13:44:33Z")

</div>

> [@Credit cards as ‘everyday’ is unhelpful](https://community.emma-app.com/t/credit-cards-as-everyday-is-unhelpful/5740):
>
> Having an everyday balance combining current account with credit card is of little value - the resulting number is meaningless information that doesn’t tell you how much you have to spend or how you are doing immediate cash flow wise. My strong preference would be to have cards as ‘loan’ in a separate category - they are by definition a longer term tool than the current account so showing the credit card as if it’s an overdraft needing immediate attention is just wrong. From a cash flow persp…

Maybe this topic should be merged - seems the same issue.

---

<div class="post-metadata">

**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:** [May 23, 2025, 2:39pm UTC](https://community.emma-app.com/t/credit-cards-everyday-vs-debt/7421/3 "2025-05-23T14:39:09Z")

</div>

Hey @mrchrisbrogan,

have you considered moving the cards with a balance into the Loans section? You should be able to do this in the app. In this way, they don’t clutter Everyday but still count in net worth.

---

<div class="post-metadata">

**Author:** ![mrchrisbrogan](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/mrchrisbrogan/32/2589_2.png) [@mrchrisbrogan](https://community.emma-app.com/u/mrchrisbrogan)\
**Post date:** [May 27, 2025, 8:02pm UTC](https://community.emma-app.com/t/credit-cards-everyday-vs-debt/7421/4 "2025-05-27T20:02:11Z")

</div>

I do this, but it’s just a work around rather than an actual solution.