Imported CREDIT CARD "charges" as "payments"... the system had no warning or instructions, and help files also seriously lacking. How can I edit?

Hello there, @MoneyMan007.

Allow me to share some insights about categorizing your bank transactions in QuickBooks Online.

The system analyses all the information received from imported entries, to give you the best possible suggestions for accepting the transaction.

To make sure that the entries will be imported correctly, I suggest verifying its mapping before importing them. Here's a link that you can refer to about this process: Import bank transactions using Excel CSV files.

When transactions are not categorized accurately based on the nature of the entries, you can edit the category from charges to payment. 

To do that:

1. Click on Banking form the left pane.
2. Select on Banking tab.
3. Under the For Review, click the transaction to edit.
4. Choose the Edit radio-button.
5. On the Category field, select the right account.
6. Press on Add.

I'd also like to share these great links attached that contain in-depth details about fixing errors when importing bank entries in QBO and on how to categorize them. 

• Common errors for importing bank transactions using CSV
• Assign, categorise, edit, and add your downloaded banking transactions

Know that you can always get back to me here if you have any other concerns. I'll be around for you. Have a good one!