What if I want my credit card to act like a checking account?

By default, credit cards use CC Mode because they represent spending that already happened.

If you want a credit card to behave like a checking account, change its behavior to On-budget in account settings.

When you do this:

The card’s balance will fund your pouches — decreasing as the balance increases
Transactions will continue to be tracked

Only do this if you truly want the card’s balance reflected in your pouches. Most users should leave credit cards in CC Mode so the system accurately reflects reality.