How do I turn off credit card payment permanently. I keep forgetting to turn off that option and then part of my hard earned money goes to fees!!!!

I've got you covered, @jenfreemans. 

It takes a few simple steps to turn off the credit card payment option for customers permanently. Just follow the instructions below. 

1. Open QuickBooks. 
2. Go to the Gear (Settings) icon in the top right-hand corner. 
3. Under the "Your Company" section, pick Account and Settings. 
4. On the left-hand menu bar, select the Payments tab. 
5. Remove the credit card in the Payments Methods portion. 

For a future reference, you can verify when QuickBooks deposits your customer's payments into your account. For more information, just check out this guide: Find out when QuickBooks Payments deposits customer payments. 

Should you need any further assistance, don't hesitate to contact me. I want to make sure that you're able to get back to running your business without running into this problem again. Wishing you the best!