My credit card payment is categorized as a "transfer". I need to change it to an "expense" so that I can break down the payment by expense category. How do I change that?

We can guide you on how to modify the credit card payment from a transfer to an expense in QuickBooks Online (QBO), Richmondptandperformance.

If you have incorrectly categorized your credit card payment, we can undo the transfer from the Categorized tab. Then, the transaction will return to the For Review tab. Let me show you how:

1. Go to Transactions from the left menu and choose Bank Transactions. 
2. Choose the tile for the bank or credit card account where you downloaded the transaction.
3. From the Categorized tab, find the transaction.
4. Click Undo from the Action column.

Once done, match it to an expense. If you can't find a match, record them manually as an expense. Here's how:

1. Click the + New Plus icon. 
2. Under Other, select Pay down credit card.
3. Choose the credit card to which you made the payment.
4. Enter the payment amount and the date of the payment.
5. Select the bank account you used to make the payment.
6. If you made a payment with a cheque, select I made a payment with a cheque. In the Cheque no. field, enter the cheque number, or if you paid electronically, enter the EFT number.
7. If you want to add notes or file attachments, choose Memo and attachments and follow the onscreen instructions.
8. Press Save and Close.

To learn more about recording payments you make to your credit cards, check out this article: Record your payments to credit cards in QuickBooks Online.

If you need help reconciling your bank or credit card statements, feel free to use this article as a reference: Reconcile an account in QuickBooks Online.

You're more than welcome to share other concerns you might have regarding handling credit card payments or any QuickBooks-related concerns. We are also willing to answer any other questions you might have in QBO. You have a good one, Richmondptandperformance.