How do i merge 2 credit card accounts?

Welcome to the QuickBooks Community space, tre. I'm here to help you out with merging your credit card accounts. 

It's important to note that merging is permanent, and you can't undo this later on. QuickBooks uses some accounts as the default for certain features. These, like accounts connected to online banking, can't be merged or deleted. To proceed, ensure you're accessing the program in an Accountant view.  

1. If you're merging accounts that have reconciliation reports, save those reports first. The account being merged may not keep the reconciliation history. The transactions remain on the merged account and stay reconciled.
   Note: If both account registers have an opening balance equity transaction, you'll need to delete the transaction with the most recent date prior to merging. The older transaction becomes the opening balance of the newly merged account.
   
2. Go to the Gear icon and then choose Chart of accounts.
3. Find the account you want to keep. Then, select the dropdown menu in the Action column and then Edit.
4. Note the Save account under (Account Type), Tax form section (Detail Type), and Account name (Name) of the account. These must be the same between the accounts you want to merge.
5. Check if the account is a subaccount or a parent account. The names of subaccounts are indented in the Name column of the Chart of accounts list. If it is, note the parent account it's tied to.

Now that you have all the necessary information for the account you want to keep, let's handle the duplicates. Let me show you how: 

1. Go back to the Chart of accounts page.
2. Find the duplicate account (the one you won't keep). Then, choose the dropdown menu in the Action column and then Edit.
3. Change the Account name (Name) and Tax form section (Detail Type) so the duplicate account's info exactly matches the account you want to keep. If you need to make this a subaccount, keep in mind:
   
   
   • If you're merging two parent accounts, ensure they don’t have any sub-accounts. 
   • In merging two subaccounts, ensure that both have the same parent account.
   • If only one is a subaccount, change the Save account under (Account Type) to exactly match the other parent account so it becomes a parent account.
     
     
4. When you're ready, select Save, and then Yes, merge accounts.
   
   

This merges the two accounts so you end up with one. QuickBooks moves past transactions from the duplicate to the account you want to keep.

Refer to this article for more info: Merge duplicate accounts, customers, and vendors in QuickBooks Online. 

Furthermore, you can visit these resources to help you with handling your credit card accounts and organizing your bank data in QuickBooks Online (QBO): 

• About bank or credit card subaccount setup
• Categorize and match online bank transactions in QuickBooks Online
• Reconcile an account in QuickBooks Online
  
  

Don't hesitate to comment or leave a post here in the forum if you have additional questions about managing your accounts. I'll be here to lend a hand.