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Hi there, @Tami2007.
I appreciate you for performing basic troubleshooting in your browser to fix the missing option of the automatically applied credits.
Since you've performed the initial steps to fix this, we recommend contacting the QuickBooks Online (QBO) Care Team to help you navigate the root cause of the issue. If they see that several users experiencing the same issue, they can create an investigation into this and find a fix. Here's how:
If you want to learn how to show customer statements and send them, you can read this article: Create and send customer statements in QuickBooks Online.
For additional questions about managing your account in QBO, never hesitate to reply to this post. Keep safe.