Handling Credit Card transactions after overspending has occurred

Like a lot of people, I'm having a real struggle keeping the Credit Card payments category under control. I've been funding my categories as best I can and I pay off my CC every week but sometimes the activity either slips through or doesn't seem to get moved from the categories correctly and I'm ending up with pretty big amounts stuck on the payments category that either have to sit in the red or I have to like micro manage every single "where did this actually come from" because I can't see anywhere when the money is moved from a category automatically. It seems also like YNAB isn't smart enough to move funding from a category to the payments after getting additional funding in the category and that really is what feels like the killer to me.

I've seen a lot of people just mark their credit cards as checking accounts to cope with this, but it doesn't seem like it's possible to change the type after it's all set up? I also see a lot of people talking about reconciling to help fix things but because YNAB is always days behind on pulling bank data, I can never actually get reconciling anything to work without spending a bunch of time doing everything by hand. I don't know if people have found ways to resolve that problem?

I really like using YNAB for everything right up until these features that just don't seem to be fully sorted out get in the way. Or maybe I'm just not thinking about how to handle them right? Do I just value my time outside of managing all of this too much?