upgraded 2021 now i can't download credit card transactions

I'm here to help you get past this error, @skibits.

This is error is often caused by one or more characters in .QBO file that isn't compliant with the Open Financial Exchange (OFX) standard for exchanging financial data with QuickBooks. Sometimes, it's an incorrect format of your .qbo file.

Let's start our troubleshooting by updating your program to the latest release and make sure to create a backup copy of your company file. 

Here's how:

1. Go to Help, then Update QuickBooks Desktop.
2. Select Update Now tab, then mark the Reset Update box to clear all previous update downloads.
3. Click Get Updates to start the download.

Once done, you can import the file again to QuickBooks Desktop.

For detailed steps, feel free to open this article: Error: OL-222 after downloading a Web Connect file from an approved bank.

You can always visit our Help Articles page in case you need some ideas and references in managing your account and transactions.

If there's anything else that I can help you with, please let me know in the comments. Always around ready to help.