This isn't what I want you to experience. I know you're putting so much effort and time to get a resolution to your concern. I'd like to offer some help, mandruch. 

The data received by QuickBooks will depend on what your bank sends. If the transactions are showing up as income, you'll want to re-categorize them as credit card payments. 

I've added screenshots for visual reference. 

You can check out this article for step-by-step instructions on how you can categorize the transactions in QuickBooks Self-Employed (QBSE).  

I'm also adding these handy articles for additional reference: QuickBooks Self-Employed Schedule C Categories breakdown.

The Community is made up of friendly and knowledgeable individuals who are always happy to assist. Feel free to ask questions about managing your bank transactions in QBO. Take care!