Hey there, @cipgifts, 

Thanks for performing the suggested steps provided by my peers on this thread.

Recording a credit card credit offsets the value if you return something you purchased with your business credit card. This will allow your account to properly balance in the program.

You might have created a vendor credit and a credit card credit, which is why your vendor totals are off. Please see the screenshot below for your reference. 

If you didn't enter bills prior to creating a vendor credit, you may end up with negative balances for your vendors. To help fix this, you'll first need to create a bill. Then, you can link the vendor credit to a bill payment by performing the steps below: 

1. Go to the Plus icon (+) at the upper right.
2. Select Expense or Check.
3. In the Choose a payee drop-down, choose the vendor name.
4. Leave the amount field blank.
5. From the Add to Expense/Check section, click Add for the outstanding bill and vendor credit.
6. Click Save and close.
    

For more information, you can go through this useful article: Manage Vendor Credits. 

If you have downloaded banking transactions, you can match them in the For Review tab to the existing entries in QBO. Please see this article for more details: Add and Match Transactions. 

This will get you on the right path, @cipgifts. 

I'll be right here to help if you need anything else. Have an awesome day.