Hello @Susan607,
Sorry to hear that you've been having issues. Discussed with the team, and usually this happens when the credit card has changed somehow (replacement card with new number). Even if that is not the case, these steps may help you solve the problem.
For the account you can’t delete:
1. Open the Chart of Accounts
2. Select the account row
3. Select the Edit button
4. Select Online Settings
5. Set the Download transactions to ‘Not enabled’
6. Save
You should now - hopefully - be able to delete the account.
For the account that you can’t download too:
1. Open the Chart of Accounts
2. Select the account row
3. Select the Edit button
4. Select Online Settings
5. Set the Download transactions to ‘Not enabled’
6. Save
7. Re-connect the card to online banking
You should now be able to download to that account.
Here is the online banking help article: Set up online banking for QuickBooks Desktop for Mac
