Good day, @riverfairy.
I'll help figure out why your credit cards are getting pulled into one account. If the transactions download to the individual accounts, you'll need to connect the sub-accounts and not the parent account.
However, if you've already verified the credit card sub-account set up, I'd suggest contacting our QuickBooks Online Support. They'll be able to look into this further by pulling up your account in a secure environment.
You can check out this helpful article for more information: About bank or credit card sub-account setup.
Please let me know if you have additional questions about your bank transactions in QuickBooks. I'm here to help however I can.
