Record credit card payment with interest charge QBO

Thanks for the screenshots of the banking transaction, HQS1.

Using the Record as a credit card payment option will only let you record the transaction as one. If you want to track the principal amount and interest paid separately, you'll want to manually record it first in QBO. Then, match it with the downloaded transaction.

I'd be glad to share these steps with you:

1. Click the + New button and select Expense or Check.
2. Enter all other details of the credit card payment.
3. Proceed to the Category column, then select an expense account for the principal payment in the first line.
4. Select an expense account for the interest or finance charge in the second line. Then, enter the amounts in the Amounts column. 
5. Click Save and close. 

Once done, go back to the online banking section and match the transactions. 

Other methods you can follow are also shared here: Record Your Payments to Credit Cards in QuickBooks Online.

Let me also share these articles for additional guidance and information when managing banking transactions in QBO:

• Unmatch Downloaded Bank Transactions or Move Them to Another Account
• Undo or Remove Transactions From Reconciliations in QuickBooks Online

The Community is always here if you need anything else. 

Thanks for the help! I was able to get the transaction recorded correctly as you advised.

Thanks for updating us, @HQS1.

I’m glad that my peer was able to help resolve your payment with an interest charge concern. Please know that you can always reach out to us whenever you need help.

If you need more information about managing your company, feel free to visit our Support page. It contains ways and tips to make sure everything is accurate and organized.

Have a great day, and keep safe!