@LeizylM 

Ok, so I did your suggestion on clearing the old credit cards out, using a Journal Entry, but now, I have run into another issue.  When I did it, the main credit card account now shows a -$778,035.75 for the account.  I have attached a screen shot.  

I most have missed something, somehow.  Good thing is I backed up prior to making changes and I can either restore the backup or just delete the Journal Entries.  Not sure what I did wrong or not.  Thanks