Hi Avideh,
Welcome back! I can understand your preference for applying credit notes manually as you see fit. QuickBooks Online has you covered. I'd be happy to guide you through the steps to set up automation. Here's how!
1. Click on the Gear in the top right
2. Go to Account and Settings
3. From the left menu, select Advanced
4. Scroll down to Automation
5. At the far right, click on the Edit pencil
6. Turn off the Toggle button beside automatically apply credits
Make any other choices as necessary
7. Hit Save and then Done
You're all set!
If there's anything else I can assist you with, just reach back out!
