I appreciate you sharing your experience with us, DS127. Allow me to explain why your Balance Sheet report in QuickBooks Desktop (QBDT) did not match in QuickBooks Online (QBO) after conversion.

You may notice transactions are missing or reports are different and inconsistent after converting your QBO data to QBDT. It's because they don't use the same reports, and transactions aren't tracked as accruals in the same way. That being said, the accrual basis reports in QBO will match with QBDT, but cash basis reports may not.

For more information, please see this article: Learn how features and data move from QuickBooks Online to QuickBooks Desktop.

Also, you'll want to ensure you've selected the correct date range on your reports for both QBO and QBDT. 

Additionally, transactions that aren't in the account register and not yet approved won't convert to QBDT. It explains the missing credit card entries after converting your data to QBO.

Furthermore, your assets should equal your liabilities on your balance sheet. If they don't, here's an article to figure out how to fix it: Fix a Balance Sheet that's out of balance.

Please let me know whenever you have clarifications about migrating your data from QBO to QBDT. The Community is here to help anytime. Take care, and have a good one!