but what about using the downloadable local app for QBO for Accountants.  Does that eliminate caching issues?

fyi, i'm still getting the issue of disappearing and reappearing cc payments mostly. No issue with bank account recons.

Accounting tech support glanced and escalated my case to "backend" team.  Seems like a glitch caused by now disconnected cc bank feed for the same period, then careful upload of an Amex QBO. Then when that didn't bring in all the payments/credits, an upload of Amex CSV, making sure options selected correctly.

Question: i'm still hazy on what automatically triggers a "C" for a transaction.  Is that what one "confirms" an item brought in either via feed or file upload?

and if there's a C, does one have to find the item in the register, clear the C, in order to see it in the bank rec and make it an R  ?