Multiple creditcard users - one account Quickbooks Online questions.

1. For CHASE: I had to create the dummy PARENT account  and then put the two credit card holder accounts as SUBaccounts under the PARENT. I wish both don't show up on the Banking page, because it;s confusing to reconcile.. but have spent HOURS and HOURS trying to figure out to have just the one Chase account on there and cannot figure out how to keep it clean. 

2. AMEX Credit cards.. I have been reading that I don't need to do the PARENT/Sub accounts for Amex but when syncing the Amex cards, the creditcards are not connecting into one account. And when I tried to do the PARENT / subparent thing with Amex.. everything is a mess. I get double transactions. I'm afraid I have made a mess of my Quickbooks online account.

I can't find this "American Express Credit Card(US) - Parent Accounts" option from American Express that is discussed over the internet in a few places... like here: https://quickbooks.intuit.com/learn-support/en-us/mobile-and-apps/connect-your-american-express-busi...

I am very upset with Quickbooks and tend to fight with it all the time. My time is precious and Quickbooks has killed it.  It's 2020, I wish Quickbooks could be as smart as Apple or Microsoft programming. 

Sorry to vent. Quickbooks is causing some serious depression.