Split credit card payments showing up as an expense

Welcome back to the QuickBooks Community, egeorge4. I'll ensure you can separate or manage your credit card payments in QuickBooks Online by following the steps below.

I suggest excluding the payment in QuickBooks so the said entry moves to the Excluded tab. They won’t be added to QuickBooks or downloaded again. Then, record the excluded payment manually in QBO in multiple ways as a credit card so you can keep track of your expenses and maintain accurate financial reports. 

You can open this artilcle to view details on how to handle or enter CC payments in different ways in QuickBooks: Record your payments to credit cards in QuickBooks Online.

Additionally, I suggest consulting an accountant. They'll be able to provide you with suggestions on what specific entry you can use to properly handle your credit card payment in QBO.

Lastly, you may refer to this artilcle to see steps on how you can reconcile your accounts to avoid discrepancies: Reconcile an account in QuickBooks Online.

Don't hesitate to comment below if you still have questions about your credit card transactions in QuickBooks. I'm always around to help, egeorge4. Have a great day!

@egeorge4 

You can signup for a separate Melio account for free and integrate it with QBO. Use the Partial Payments feature to pay your vendors/contractors. It allows you to divide a single bill into several payments and use different payment methods at various stages of the payment. When you schedule a partial payment, it will track and display the remaining balance.

https://affiliates.meliopayments.com/pricing

I usually just make journal entries or expense transactions moving the balances from the sub accounts to the main accounts. Unfortunately that is the con of dealing with sub credit card accounts in QBO. And, most tax preparers freak over negative balances. If they’d look at the total sum, they could get past it.