Definitely run the Check for Updates and make sure you are on the latest update.  Also run File->Utilities->Rebuild and which can fix some issues in your company file.

The credit card issue is usually the bank.  Is your credit card Chase by chance?  I've noticed that Chase changes the financial institution ID on some of their credit card downloads randomly.  (Well, not randomly entirely - for Chase there are two different accounts listed in the pop up for a single credit card to download the .qbo file.  Make sure you always pick the same one. 

See if these things help.