I can see how the Pay down credit card feature impacts your conversion, @chelseawataxaz.

The Community team and Technical Support can’t provide a fix about this limitation or how your books will move from QuickBooks Online to the QuickBooks Desktop version.

You can submit feedback directly to our Product Development team. This way, they can help improve your experience and make the program better.

Since your clients have years' worth of credit card payments that aren't feasible to enter manually, you may consider using a third-party app to get this done. This workaround can help settle your accounts balances with ease. You can visit this website to find one: QuickBooks App Center.

I’ve added this reference to get started and learn to navigate your Desktop account: Recommended help for QuickBooks Desktop. It contains several topics to efficiently manage your receivables, payables, inventory, and financial reports.

Please don't hesitate to reach back out if you have other questions or concerns besides conversion. We’ll be here to help. Keep safe always!