@Cindi: I'm not sure that I clearly understand the problem from your description. What I can say is that, with good practices, you won't end up with duplicate entries and/or incorrect balances. In my opinion, the best practice is to use Quicken's "Transfer" feature to create a payment transfer from your payment source account (e.g. chequing) to your credit card account. Then, when you download the two bank transactions for the payment from the chequing and the payment to credit card, each of these will respectively match one end of the pre-entered transfer.In terms of timeline, let's say my Credit Card statement is published on the 21st of each month. On the 22nd of the month, I would reconcile the credit card statement and then log into my bank account and set up a post dated transfer from my savings/chequing account to my credit card account on, or shortly before the due date. I would also, immediately, use Quicken's Transfer feature to create the payment transfer in the Quicken registers. Once the post-dated transaction date comes along, the two payment (out and in) transactions will download and match the pre-entered transfer.This is a best practice and works well.
I didn’t understand your problem either. But Just in case you are doing it the wrong way,The proper way is to set up a credit card ACCOUNT and enter the charges into it when the purchase is made and assigning it to a category. Then when you pay the bill you TRANSFER the payment from your checking account to the credit card account. Then when you download the payment from the bank you match it to the one you already entered.When you enter the payment in your checking account you put the credit card account name in for the category using square brackets around the name to indicate it is a transfer...like this... [credit card] or newer versions have a Transfer column.I used to do it the wrong way for years! Then I wised up and now enter them properly. I would split my credit card payment into all the categories on one transaction in my checking account. And since I always pay more than the bill I would need to figure the difference and put it to another category. But then I needed to have them entered on the date the charges actually happened. So I finally set up a credit card account. It makes it much easier to enter and balance!
