Hi there,
Running your business with QuickBooks Online is a great way to streamline your bookkeeping and keep up-to-date with your work. I know how essential it is to subscribe to the right account. I'd be happy to point you in the right direction for help with this.
Based on your question, it sounds like you're paying for a QBO account with your credit card unintentionally. In order to cancel the unwanted account, follow these steps:
1. Click the Gear icon.
2. Select Account and Settings.
3. Select Billing and Subscription.
4. Click Cancel Subscription.
If you're experiencing a different issue than the one I've explained above, please reach out to our tech support team so an agent can help get this sorted out for you.
Cheers.