How do I edit a .QBO file to change the Credit Card Account that the transactions get imported to?

We just started using Quickbooks Desktop Premier Contractor Edition 2021 this year and are having issues with our credit card transactions. We have a capital one credit card master account which has about 10 different credit cards associated with it. When we download the transactions as a QBO file, it will only import the transactions into that main capital one card account but has ALL 10 different cards transactions on it. The issue is different people manage different credit cards in this so we can't just use the main account to categorize everything. We have individual credit card accounts for each card but there is no way to download a QBO file on Capital One for individual cards. I've tried downloading as an excel to see if there is a way to import an excel file with all of the transactions for each card but it's far too difficult to go through the .IIF file route.

If i could edit the .QBO file to change the Credit Card Account, I'd be able to change it for each card we have, upload them all individually and then just ignore the transactions on each card that do not belong to that card.

As of now there is no way Capital One can separate their .QBO transaction download to be based on card so I need to find a way to manually do this to be able to separate each card within quickbooks as that's what the owners want to see. We don't want one master credit card account, we want to be able to go straight to 1 persons card account and see what transactions they have. Any help on this is appreciated.