Hi there, GraceGenoguin.

Welcome to the QuickBooks Community. Let me discuss extra information on how credit card and parent account work in QuickBooks Online. Then, provide steps to ensure you can reconcile them smoothly.

The most common way to set up a bank account or credit card account with multiple cards associated with it is to create a parent account and then have each individual card set up underneath as a subaccount. Since the credit card account is already a sub-account of your parent's credit card, I recommend adding one more subaccount if you have an additional account that transactions such as payments come into.

Then, when initially connecting your account, the same opening balance transaction may download to all subaccounts. With this, you'll need to delete all but one of these balances when you reconcile.

Here's how:

1. Click the Accounting menu at the left panel.
2. Choose Chart of Accounts section. Then, choose the specific subaccount.
3. Click the View register link under the Action column.
4. Locate the opening balance and double click it so you can select the Delete button.
5. Click Yes to confirm.

Furthermore and as mentioned by my colleague, you only need to reconcile the parent account when it’s time to reconcile. This is because all transactions in the subaccounts roll up into it.

You can click this article to see extra details about the details shared above: About bank or credit card subaccount setup.

Lastly, you may refer to this article to view various guidelines that will help you in fixing any issues that might encounter in reconciliation: Learn the reconcile workflow in QuickBooks.

I'm only a few clicks away if you need additional assistance with your other QuickBooks tasks, GraceGenoguin. It's always my pleasure to help you out again. Have a great day!