I appreciate all your efforts in explaining all your concerns and following our article, @Big-Al. 

I have answers to all of your questions. Happy to share that with you so you can manage your credit card transaction accordingly. This way, your books will stay accurate. 

The first step is to generate a check using Accounts Payable. Ensure the Print Later box is unchecked so you can enter the BillPay number in the Check No field. 

Go as follows: 

1. Go to the Banking menu and select Write Checks. 
2. Pick the bank account you want to use for paying the credit card from the Bank account ▼ dropdown.
3. Select the name of your credit card company from the Pay to the order  ▼ field. 
4. Enter the payment date and bill py number. 
5. Go to the Expenses tab and select Accounts Payable in the Account box.
6. Click Save and close.  

After that, let's create a bill if you still need to. Proceed with the following steps:

1. 1. Go to the Vendor menu and click Enter Bills. 
   2. Complete the Vendor name, Date, Bill Due, and Memo. 
   3. Select your credit card account in the Account field. 
   4. Enter the amount, then Save and close.  

After that, pay the bill. Ensure the credits are in place and apply the check to the bill. For complete steps, check out this article: Pay bills in QuickBooks Desktop. 

Regarding the obtuse term used in our article, I recommend sending feedback to our author. Choose an option from the Was this helpful? and follow the instructions on the screen. 

Moreover, visit these articles below on how to reconcile accounts and Bill Pay FAQs in QuickBooks: 

• Reconcile an account in QuickBooks Desktop
• Use Online Bill Pay in QuickBooks Desktop

If you have other questions navigating your account, add them in the comment below. I'll be sure to get back to you. Keep safe always.