Request: Pending Transactions in Cashflow
Hi Nerd Wallet Team!
Former Mint user here! I recently switched to Nerd Wallet, and noticing one big difference that is making it very difficult to track my spending. The chart graphing spending does not include pending transactions in Nerd Wallet. As a result, I will check my spending, see a flat line for the past 3 days (transactions havent hit yet) think " oh I'm doing great, I have some cash to buy xyz" and end since switching from mint have been spending more than my budget.
Can you please change the cash flow page to include pending transactions!I used to check my spending every day and now only check when I think my big purchases would have hit my account, which is less helpful in monitoring my spending.
I would really appreciate this change or even the option to customize my settings to include pending transactions! Thank you!!
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Official comment
Hi there -
Thanks for reaching out to NerdWallet; we really appreciate you sharing your thoughts with us!
Pending transactions often change or are reversed before finalizing, however; so including them in the cash flow could result in permanent errors. For example, restaurant transactions are usually posted as pending in the original amount, but after a tip is added, the pending transaction is updated to include the tip. Hotels and motels often post an "incidentals hold" to credit cards in a pending state, and if you don't make any incidental charges such as room service or pay per view movies, the pending transaction is canceled and reversed.
Best regards,
Victor
Comment actions -
Agree that we need it included in spending, particularly in categories!
It's fine if it isn't completely accurate - we should be given the choice to have them included or not (could just be a setting we can toggle). The pending transaction can just be removed from the totals once it's gone.
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