Thank you so much!

I didn't do exactly as you said, because this is not a credit card account, it's just a credit account at the store.  He has no actual credit card and therefore we don't have it set up as such in QBO.  Perhaps we could set it up that way, but it's not - instead we enter all the receipts from that account as bills to pay later.  This complicated matters further, but your direction helped me to get it all straightened out - again, thanks so much!