quickbooks online cutting off text in reference field

You can enter credit card (CC) transaction IDs on the memo/description fields as a workaround, Susan. I'll help share input about these fields in your account.

In QuickBooks, character limits on Reference no. fields for CC transaction IDs are up to the maximum of 21. You can consider entering these details in the memo/description section of the specific entry. Doing so will help indicate notes for the transaction as a whole.

I'll include this screenshot for reference.

On the other hand, you may utilize the custom field feature to give you more flexibility and drive insights through detailed reports.

Once everything comes in handy in the future, you can start categorizing and reconciling your accounts to ensure they always match your bank and credit card statements.

I'm all ears to any additional queries you may have when managing fields and transactions in your account. Keep safe and have a good one!