Hello @jerryhoward,

As of the moment, there isn't an option to downgrade your version of QuickBooks Desktop. This is to ensure you'll be able to use any of the online services such as running your payroll and paying your taxes. You can read this article to learn more: QuickBooks Desktop service discontinuation policy and upgrade information.

Alternatively, you can visit your desktop account and subscription via the CAMPS website and update your credit card information from there. Here's an article for your reference: What is CAMPs and how do I use it?

Lastly, you can always visit our Help Articles hub for QuickBooks Desktop in case you need some related references in managing your account and other related transactions.

If you have any other concerns, leave it in the comment section down below. Always around ready to lend a helping hand.