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Should Quicken be able to split out different credit card users under the same account?

431132j

Currently if you connect Quicken to a credit card account that has more than one user/card, Quicken does not upload the information that identifies which user made which charge. This information is clearly tracked by the credit card company and is available in the credit card account, but for some reason it is not included with what makes it into Quicken. This then means that a Quicken user who wants to break out this information and analyze spending by different users under single credit card account needs to look at each transaction one by one and make the necessary identification manually. Since the information does exist electronically, why can't Quicken get appropriate access to it when it connects to that credit card account? It should be able to!

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Comments

Chris_QPW

This isn't possible. There isn't anything in the data sent to Quicken that would let it decide which user it is.

This is totally a financial institution's decision.

431132j

Thanks. The data exists electronically with the credit card company, in this case American Express. All of the other data the Amex has about the transactions gets transferred to Quicken. Why is this one critical piece left out?

Chris_QPW

You would have to ask the financial institutions. Quicken Inc and even Intuit (Quicken Inc's aggregator) can't dictate to financial institutions what information they provide.

Some financial institutions will separate this out as different accounts and some won't and some do it based on if it is a personal account or if it is a business account.

jtemplin

My AMEX downloads include the last four digits of the card number in the memo field. That tells me which card/person made the charge. If you want to overwrite the memo field, you could use a tag.

AMEX provides this. Quicken can't figure it out on its own.

Chris_QPW

I can't really give anything but a guess at such a question. One would have to assume that the powers that be either didn't think of it, or didn't think it was important. But the most important thing to understand is that Quicken Inc can't make such decisions on their own.

The protocol that is used between Intuit and the financial institutions would have to support it. Even if it was implemented in the protocol each financial institution would have to decide to fill in that information. And Intuit would have to pass that information on to the Quicken servers and finally Quicken Inc would have to implement something to use it.

Currently the only way Quicken has to separate this out is if the account number or if the user's name is in the payee or memo field.

Chris_QPW

Given this information then Quicken Mac should certainly be able to separate these out using QuickFill rules and tags.

EDIT: When I looked at it Quicken can't do this even with QuickFill rules because it would require an "AND" operation like "Tony Hotel" AND XXXX5006, make it categoryX/Tag A.

Now that could be a suggestion if the information is in the payee or memo field for Quicken Inc to extend the feature set of the QuickFill rules.