Hello there, usernmiller.
Let's differentiate between Record as transfer and Record as credit card Payment in Quickbooks Online.
Record as transfer is used to move money from one account to another within the same financial institution. While recording as credit card payment is specific to credit card only. This option helps you have a prepaid credit card and transfer to use it. If using a regular credit card, you'll be credited by the bank. Then, you pay it at a later time.
In this case, it depends on how you can record the transfer in the register. You may want to use this link I've added below to learn more about organizing your transactions from the Banking page:
Please let me know if you have other questions. Take care and stay safe.
