Welcome to the Community, PW AZ.
To pick a start date for your credit card, follow the instructions below:
You'll want to visit this article for more details on how to manually upload transactions from your bank to QBO: Manually upload transactions into QuickBooks Online.
I'm leaving you this article about matching and categorising transactions: Match and categorise the downloaded transactions.
Feel free to visit the following link to become more familiar with the features and functions of QBO:
If you have further questions while managing your SUI rates, please feel free to drop a line. Have a wonderful weekend.