Credit card account
We can add in the account the option to turn it into a card account credit. A credit card account can have items like due date of the card and credit limit. When the account is type credit card, we could include account transfers from the bank to the credit card account always with the total invoice.
This would help predict future spending in the budget section, because there would always be a future transfer in the total amount of the invoice to the credit card account. As the total value of the future was increasing, the value of the transfer could also be adjusted automatically.