I’m getting replies that not only are different from each other but some in contradiction to each other. 

JasroV my issue isn’t cc payment but cc refund!

QBO with bank feeds:

1- Bill $800

2- Downloaded CC payment of $400 applied towards the bill

3- Downloaded $400 CC refund needs to be categorized and applied towards the bill. This should bring the balance of bill back to $800. 

How???????

Please show this to me step by step