Hello again, KN52.

I appreciate you getting back and providing additional information about your concern.

To record the charges into your respective sub-accounts, you can either write a check or use the Transfer funds feature to move the amount from your bank account. By doing this, the amount will decrease depending on how much you enter when paying the credit card.

For detailed steps on this, see this article: Record your payments to credit cards.

Here's also a resource you can use for easy categorization: Categorize and match online bank transactions in QuickBooks Online.

You can also check out this link: Banking Hub. From there, you can browse helpful topics on how to effectively manage your bank transactions and reconcile your account. 

Let me know how it goes in the comments below. If you have other banking concerns or inquiries about managing transactions, I'm just around to help. Take care always.