Using QB Desktop for Mac2020 I am trying to  apply a specific credit memo to an invoice while applying a customer payment.  There are several credit memos that have been created and I need to select the one that applies to a particular invoice.  I have went to the preferences and removed the 'auto apply' thinking that I would then be provided with a drop down of some sort where I could select the credit memo, but that didn't occur.  The total amount of all credit memos available appeared in the lower right hand corner of the screen just below where the discount and apply credit selections are available.  If I selected the credit memo highlighted button in the menu above there was a print credit memo option...creating a completely new credit memo, but apparently without the ability to select specific items  for indicating the accounts impacted: ACH Charges & Processing Fees.  Any suggestions?