New Credit Card is creating problems

Hi there, Julzology.

Welcome back to the QuickBooks Community. I appreciate you for sharing detailed information about your concern. I'll provide some helpful info to ensure you can move the historical bank data to the new card and zero out the old one.

Once you don't want to use an account anymore, you can make it inactive. This essentially deletes it. QuickBooks hides inactive accounts from lists and menus but keeps past transactions on your reports. If you make an account with a balance inactive, QuickBooks automatically creates a journal entry to zero out the old card. This moves the remaining balance to another account. Please note that your existing transactions don't disappear and stay on your financial reports for recording purposes. However, if you decide to use the account again, QuickBooks won't move the balance back or change the journal entry.

Before making an account inactive, there are require extra steps before performing the process. These are:

• If products or services use the account, change the account they're linked to. Or you can make products and services that use the account inactive.
• If you want to delete an income account with pending charges, invoice your customers for the billable expenses, time, or charges. Then you can delete the account.
• If recurring transactions are linked to the account, you need to unlink them from the account.
• If the account has subaccounts, move the subaccounts to a different account on your chart of accounts. You can't delete accounts with subaccounts.

Here's how to make an account inactive:

1. Click the Gear ⚙ icon and select Chart of accounts.
2. Find the account you want to delete/inactive.
3. Choose the Action dropdown. Then, select Make inactive.

To see additional information, you can click this article: Delete an account on your chart of accounts in QuickBooks Online. This also provides details on how you can view inactive accounts in QBO.

Additionally, you can click this article to see information about the difference between disconnecting and deleting accounts from QuickBooks Online, and how it works: Disconnect or delete accounts connected to online banking.

If you have any questions about credit card accounts or anything else in QuickBooks, let me know in the comment. I'll be glad to share and provide further assistance. Have a wonderful day! Take care.