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- Hi there. My names Ben with You Need A Budget, and today were talking about credit cards, credit cards and YNAB. How to add them, how to spend with them, how to pay them off, all kinds of credit-y things. Now, if youre brand new to YNAB and youre still just trying to figure out how the app works, I would actually recommend that you check out the video I made on creating your budget in YNAB. I go over some credit card basics there, but I also go over kind of everything you need to know to make the app work well for you. And if youre someone who has a very specific question about credit cards, this video is timestamped, so you can skim through the timestamps at the bottom of this video and skip to the section thats most relevant to you. Lets start by adding my credit card to YNAB. So Im gonna come over here to add account, and I have the option for a linked or an unlinked account. Now a linked account is where I enter my credit card login, and now whenever a transaction pops u