Handling credit card repayments

Depending on how you've set your Emma up, there are several ways you can handle credit card repayments 💳

My credit card is connected to Emma

If your credit card is connected to Emma, credit card repayments should always be categorised as 'excluded'. This is so your repayments don't throw off your analytics.

Emma should exclude your credit card repayments automatically. If you find this isn't happening, re-categorise them manually.

Emma's such a smart cookie, it'll learn from your manual changes and start applying them to future transactions 🍪

My credit card isn't connected to Emma

If your credit card isn't connected to Emma, your repayments will be treated in Emma like an expense. Assign the category of your repayments to whatever you would like!

If you have Emma Pro, you can assign your repayments to a custom category.

I'm still not sure what to do

If you still need help figuring out what to do with your credit card repayments, we'd be more than happy to help you.

Reach out to us via the support feature in Emma, and one of our team members can give you a hand 😉

Updated on: 05/03/2026