It downloads as a credit card credit from bank feeds.  As long as that is coded properly, it is okay to use.

A transfer works too.   Just be sure to enter the payment once.

I prefer to reconcile the credit card and then at the end, create the payment which creates a […]

Resolution for 'CCCredit issue: 'What’s the difference between CC-Credit and Transfer?' available: Yes.

The CCCredit issue or error code is a known issue in Quickbooks Online (QBO) and/or Quickbooks. Support for this issue is available either by self-service or paid support options. Experts are available to resolve your Quickbooks issue to ensure minimal downtime and continue running your business. First try to resolve the CCCredit issue yourself by looking for a resolution described in the article. If it is a complex CCCredit issue or you are unable to solve the issue, you may contact us by clicking here or by using other CCCredit support options.

For more information about resolving issues related to CCCredit in Quickbooks/QBO or to get support for the issue 'What’s the difference between CC-Credit and Transfer?', click the link below: