Your credit card transaction may be missing for one of the following reasons:
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No Email: We rely on email alerts to track credit card transactions. If a transaction is missing in Fold, please check whether you received the transaction email on the Gmail account linked to Fold.
Note: Transaction emails (sent on every new swipe) and statement emails (sent once a month with a PDF) are different. - Manually Forwarded Emails: Manually forwarded emails will not be detected. Fold only reads emails sent directly by your bank. If the subject contains “FWD”, it means the email was manually forwarded and will not work.
- Deleted Emails: If you delete your transaction emails before Fold has synced them, they will not appear. Please delete emails only after they show up in Fold.
- Unsupported Transaction Type: Some transaction types are not supported yet - such as EMIs, refunds / reversals, add-on card transactions, and UPI transactions (except for HDFC and Axis). Fold can only fetch transaction types for which the bank sends proper email alerts.
- Syncing issue with Gmail: Your Gmail authorization may have expired. To fix this, go to Profile > Credit Cards > Update Syncing Email and grant read access again.
- Historical emails: Fold does not fetch historical transactions. Syncing starts from your last statement date. Example: If your statement date is 20 Oct and you onboard on 25 Oct, we fetch transactions from 20 Oct onward, not earlier.
- Auto-Forwarding Set Only for Statement Emails: Some users setup auto-forwarding for only statement emails but not transaction emails. Fold needs both to be forwarded automatically if you are using Outlook / Hotmail / Yahoo / Other Gmail accounts.
- Bank Changed Sender or Subject: In rare cases, the bank may change the sender domain or email subject format, which breaks parsing. If you notice this, email us the sample at support@fold.money and we will update it.
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Card Number Mismatch: If the card number in Fold doesn’t match the masked number you see in Gmail, syncing will break. To fix this: go to Profile > Credit Cards > select your card > Update card number.
If your bank upgraded your card number, you must update it in Fold as well.
Resetting Transaction Syncing -
If the transactions are in your Gmail but not appearing in Fold:
- Go to the credit card details view and tap on the flag icon at the bottom right. This will open the "Missing Transaction" sheet.
- Select 'Yes, it's in my inbox' and then choose 'Attempt Transaction Re-sync'.
Fold will then attempt to re-fetch your credit card transactions and statements from the past 30 days. If your missing transaction does not fall within the above categories, please write to us and we will further investigate the issue.