My credit cards have zero balance and zero transactions I have tried the chart of accounts which actually does nothing because the only action I see is to make inactive at no point does the delete word show in the action and when I choose inactive the only thing the action shows is to make it active

We appreciate you for joining this thread, @JJ San. We understand it's feasible on your end to have the delete option for the Chart of Accounts. Right now, let me share some insights.

We cannot permanently delete an account, except for merging one account into another. The only option we have is to Make it inactive. Even if it has zero balances and transactions, the delete option won't appear. You can, however, edit the account information so you can still utilize it by clicking the dropdown icon of your Credit card account below the Action column and tapping Edit.

Once an account is inactive, it will no longer affect your book, and you can't use that account again unless you make it active, the same as you delete it. It's just in QuickBooks, your credit card account will still be visible as inactive until the time comes when you want to make it active. 

You can read this article if you need detailed info about it: Make an account inactive on your chart of accounts in QuickBooks Online.

Moreover, feel free to click the articles below for future reference:

• Learn about the chat of accounts in QuickBooks Online.
• Import your chart of accounts to QuickBooks Online.
• Create subaccounts in your chart of accounts in QuickBooks Online.

For additional questions, don't hesitate to reply to this post. We're willing to lend a hand. Keep safe, and have a good day.