You're always welcome, RJBreneman.

A credit memo is also called as unapplied payment in QBO. I'm glad I was able to help you with your concern. Well done!

Just in case, I've added an article that will guide you step-by-step on how to do various tasks in QBO. Here's the link for you reference: Getting Started.

That should do it. I'm always around if you have any other concerns. Have a great week ahead!