Credit card registers - reconciling multiple cards

@Randall_R  Depends on some details.

If both credit cards are tied to one credit card statement, then you should have both credit cards set up as their own credit card, but as subaccounts of a parent credit card.

This will cause both subaccounts to flow into the parent account for a single balance. Payments on the card should be split between the two subaccounts for their share; this can be easy if you pay off the card each month, or a bit more complicated if you don't pay it in full. You reconcile the parent account, not the subaccounts.

If each has their own statement, then they do not need to be subaccounts. Any errors you've noted are, well, most likely errors in entry.

If you want more detailed answers on how to fix the errors, you should provide more details on the errors, screenshots, etc.

To the second question, if you don't receive a statement, it is because nothing happened. If nothing happens, there is nothing to reconcile, so you simply don't. It would be like trying to organize a room you just organized.

Thank you. 
It sounds like I set it up wrong. I think I made one card the a sub account of the other card rather then making both card sub accounts of a parent account.  Not sure how to fix that.  

I get your point "if you don't receive a statement, it is because nothing happened" but the thing that happened is a payment occurred and my bank doesn't send a statement. If there were no charges and no payments, I get it. But I'll have a balance of say, $150.00 from the previous month. It'll auto pay (in full) this month and if I don't use the card during this month's entire billing cycle, even though a payment occurred, I won't receive a statement. The next time I receive a statement is the month I use the card again. 

@Randall_R  It's a pretty simple fix.

You just take the subaccount status off of the relevant one.

Then, create a parent account. Balance doesn't matter since the subs will flow into the parent.

Then, change the two original accounts into subaccounts of the new account.

To the second paragraph, that makes sense.

If the payment was processed during the billing cycle of the period you want to reconcile, but did not receive a statement for, then the only thing that should have happened is the payment, notwithstanding fees and interest.

Assuming that the credit card people would have the good sense to send you a statement if you are accruing interest and fees, you should be able to simply take the balance from the last statement, subtract your payment amount, and treat the result as your new ending balance.

Set the ending date to whatever day of the month you'd normally expect from the cycle and reconcile as normal.

Sounds like I'm going to regret trying to fix this, but I know I'll regret not fixing it even more later on.  So I'm going to dive into this and see if I can make it work.  I appreciate your help and answers.  

One more question, I think I know how to take sub account status off of the one that is currently a sub. How do I create another credit card account and make it the primary account? Won't it require me to add a CC number? 

@Randall_R  "Won't it require me to add a CC number?"

Unfortunately, I couldn't say; I don't experiment much with QB's payment services, let alone Mac.

I will say that, as far as straight bookkeeping, I did not have to add CC numbers to any of my vanilla Desktop clients. I try to avoid that kind of thing as much as possible; QB already harasses us too much for unnecessary information, like employee birthdates.

The particularly relevant one, I named the parent CC as American Express and used the name of the relevant officer for each of the subaccount CCs.

For the primary question, I'm considering 'Primary' to mean the same thing as 'Parent' here. Correct me if I'm wrong.

To make the parent account a parent account, go to the Chart of Accounts, right click on the CC you want to turn into a subaccount, and click Edit.

Then, in the Edit Account window below the Account Name field, mark the 'Subaccount of' box and select the intended Parent account.

Yes, you're 100% correct. For the sake of my sanity, I'm going to go with the words "primary" and "secondary" from here on out.  
After I posted my previous message, I created a primary CC account, named it "PRIMARY" and didn't add any numbers. Then I made the 2 existing accounts secondary accounts of the primary and it worked. When I did this, as you mentioned earlier the charges and credits all followed the cards and flowed into the primary ledger and this helped me figure out what is probably the biggest problem. 

When I had it set up wrong with one card set as the primary and the other as the secondary, for some reason some of the charges, and some of the credits were recorded into the incorrect ledgers. So now, one of two secondary ledgers has a balance of $658.82 and the other has a balance of ($658.82). 
If I can get these two ledgers to balance, I should be good going forward. But how do you fix something like this? almost all of these debits and credits were balanced a long time ago. Can line items that have been balanced be moved from one ledger to the other?  

Yes, you're probably right. I think now that you've helped me get this far, at least I have a better understanding of what I should have been doing all along. I'm going to ask my accountant (the person that recommended I get QB) to help me with the correction here. I hope she will, but this time of year is probably not a good time for her to stop and help a client with a journal entry. I certainly do appreciate your help with this. I at least have a better understanding of where I went wrong, and the proper direction to go from here.  

Thanks again.