I appreciate you for sharing your sentiments with us, Ethan at Props.
QuickBooks Online (QBO) gets information on whatever the bank allows. It's the Chase credit card's discretion on how they handle the transactions downloaded to sync with QBO. I suggest reaching out to your financial institution for advice.
In addition to Mark_R's answer, you can check out this article to learn about adding and matching downloaded banking transactions.
Also, you might need this article for your next step which is about reconciliation in QBO:
Keep in touch if you need any more assistance with this, or there's something else I can do for you. I've got your back. Have a good day.
