Get reminded to pay a credit card or line of credit

TALISK_HQ can remind you when a credit card is coming due, and tell you afterwards if it looks like the payment never arrived. A line of credit works exactly the same way: set it up as a Line of credit account under Ledger › Banking › Accounts and the reminders call it a line of credit. A line of credit you set up earlier as a Credit card is reminded about too; change its Type to Line of credit and nothing else about it changes.

Where the due date comes from

There are two places, and you only need one:

• Your statement. When you import a credit-card statement, TALISK_HQ reads the payment due date, the minimum payment and the balance owed off it. Each new statement brings the next due date with it.
• A day you set. If you do not import statements, or the due date is always the same, tell TALISK_HQ the day of the month instead. A day past the end of a short month means that month's last day. A day you set is used in place of the statements.

To choose:

1. Go to Ledger › Banking › Accounts.
2. Edit the card and open its Payment section.
3. Pick From statements, or Same day each month and type the day.

The section also shows the figures from the latest statement, with the statement they came from, so you can see what the reminder is based on.

What each reminder means

Reminders appear as cards in Ledger › Health, and as a small label on the card's row under Banking › Accounts. Each one names the card by its name and last four digits.

• Due soon. The payment is due within the next week and TALISK_HQ has not yet seen enough paid to cover it. It names the amount owed, the minimum when the statement gives one, and the due date. In the last two days before the due date it moves up to a warning.
• Looks unpaid. The due date has passed, your bank data for the card runs past it, and the payments TALISK_HQ can see are less than the minimum. Check whether the payment went out from another account, or pay the card.
• Can't confirm. The due date has passed, but your bank data for the card stops before it, so TALISK_HQ cannot tell either way. This is usually because the next statement has not been imported yet, or a connected bank has not synced. Import the newer statement or sync the bank and the card clears on its own if the payment is there.

A payment counts when it lands on the card's own transactions as money paying the card down, such as a transfer from your bank account. A refund from a shop is not a payment. When the due date comes from a day you set, TALISK_HQ has no amount to compare against, so any payment onto the card since the previous due date counts.

Once the minimum is covered the reminder stops. A card left unpaid or unconfirmed stops showing a month after its due date; the next statement starts the cycle again.

The I paid it button

If you know the card was paid, press I paid it on the reminder. TALISK_HQ takes your word for that due date and stops reminding you about it, and you can undo it straight away if you pressed it by mistake. Nothing is recorded in your books: the payment itself still shows up through your bank lines as usual. Show payments opens the card's lines in Banking so you can look first.

Reminder emails

By default TALISK_HQ also emails you: once when a card is due soon, and once more after the due date if it looks unpaid or can't be confirmed. Several cards due at the same time come in one email.

• To stop emails for one card, edit the card under Ledger › Banking › Accounts and turn off Email me before this is due in its Payment section. The reminder cards in Ledger › Health still appear.
• To stop all of them, turn off Payment Reminder Emails in Settings › Email. The Turn off payment reminder emails link at the bottom of every reminder email takes you there.