Case 1: the credit card is connected to Nova

If the credit card and your current bank accounts are both connected, then Nova will automatically categorise your credit card repayments as Internal transfer and will be excluded from your Wealth Equation.

This will avoid double counting your credit card expenses, because Nova already counted your monthly credit card transactions as expenses.

Case 2: the credit card is NOT connected to Nova

The best and easiest solution is create an offline account for that credit card.

<aside> 💡 Always mark your transfers to/from offline accounts as Sent to/from offline an account This way, Nova will understand that your transfers out aren't expenses, and that your transfers in aren't income.

</aside>

1. Mark a transaction as linked to an offline account

2. Select the right offline account

3. Auto balance update

You're done! Nova will automatically update the balance of your offline accounts by creating an offline transaction 🥳.

Your Wealth Equation will be correct as long as you repay exactly what you have spent during the month.