QBO is automatically selecting the credits (at the bottom of the list of invoices) and applying them to the oldest invoices. We have to de-select them and start over with the payment. Very annoying! The settings for auto-applying the credits are OFF. But apparently if that were ON the credits would be applied in the background without any knowledge of the user! It would be better when receiving a payment to have NOTHING SELECTED AUTOMATICALLY and let the bookkeeper choose what credits to apply and how to apply the payment.