Thanks for updating us on this, rr32. I know it can be difficult when you can't edit your opening balance. I'm here to share some insights about this.

In QuickBooks Desktop, you can edit your opening balance if there are no transactions added yet to the account. For now, the only way to add an opening balance to your credit card account is by creating a journal entry. To do so, I'd recommend following the steps shared by my colleague. 

To learn more, please see this article: Fix Beginning balance Issues.

Additionally, I've included an article that'll help you get different perspectives of how your business is doing. This way, you can ensure your books are accurate: Customize Company and Financial Reports.

I'm only a few clicks away if you need assistance with your other QuickBooks tasks, rr32. It's always my pleasure to help you out again.