Thank you for your reply.  It feels like perhaps you didn't read the details of my post. I am an accountant user and a QBO Pro Advisor and have been reconciling credit card accounts for a few decades. I know how that works.  

My question is specific to the way Chase credit cards work within QBO. The set up in the chart of accounts is correct and the account is reconciled.  

The balances are the issue I am asking about.  Because the payments are applied to the Parent account, the balances on the subaccounts are never right. One of them just keeps increasing with no decreases ever. So the balance sheet can't be right.

This is what I am asking about.