As I say, QB set it up for me to have an extra CC account where I could reconcile the 4 credit cards that are under one account in our bank.  So that means that the four cards get reconciled in ONE account (that QB created for me) as I cannot reconcile the 4 sub accounts in QB online as I have ONE statement.  Yes I know that the credit card account will be in the P&L but only one of them is actually reconciled so the others are DUPLICATED.  

I hope that explains it better and thanks for taking the time to look at the issue.

Warmly

India