Hello there, @chelseawataxaz.

When migrating a file from QuickBooks Online to QuickBooks Desktop, not all transactions will be converted. Since there are limitations when converting a file, I'd like to share this article so we can review what transactions and information can be moved to QuickBooks Desktop: Find out how your books will move from QuickBooks Online to QuickBooks Desktop.

Still, I'd like to ask one question to make sure we're on the same page. Do you mean that you'd like the credit card payment types on what you have in your bank register in QBO to be migrated to your bank register in QBDT? Are these credit card payments you recorded from the Pay down credit card feature in QuickBooks Online? 

If yes, those credit card payments are not in existence on the QuickBooks Desktop. They are not converted into expense or bill payments when migrated to the desktop. That's why credit card transactions are missing when converting data from QBO to QBDT. This causes the bank and credit card account balances to be overstated by the exact total of the missing credit card payments. 

You'll want to manually record using QBDT process: Set up, use, and pay credit card accounts.

For more details about moving QuickBooks data, you can refer to this article: Move your QuickBooks Online data to QuickBooks Desktop. 

Please go back here if you're referring to something else or have other concerns related to QuickBooks. I'm always here to provide additional information about handling converted data from QuickBooks Online to QuickBooks Desktop. Take care and stay safe, chelseawataxaz.