Check this video: https://www.youtube.com/watch?v=KGDCA6TWQHs

It talks about credit cards and sub-accounts. The one thing mentioned on this video that has not been mentioned at all through the entire thread is when having a "Parent" account and CC - "Sub" accounts is also adding in a *Payment account. That should also drop into the parent account to reconcile and then add a journal entry or expense entry to the payment account to offset the sub accounts to make it look like everything is clean.