QBO file imports stopped working recently, I searched all over net, support and community but could not find concrete answer, we made sure that all the file validations are correct (length's, special characters, etc...)

Cause I discovered is, QBO import is not working in Quickbook desktop if  "in fidir.txt file CREDIT service is not mentioned against the FI from  lookup {BANKING, WEB-CONNECT,CREDIT, DIRECT-CONNECT or BLANK }"

If I use intuit.BID for the bank which has CREDIT service mentioned in fidir.txt then same QBO file import successfully. So there seems no issue in QBO file but the Opted Service for the bank (CREDIT in this case)

Can any one help to validate the theory and help me to understand what is this CREDIT service and from where can we enable for bank so that QBO import will start working

fidir.txt file I refer - https://ofx-prod-filist.intuit.com/qw2800/data/fidir.txt