Hello, @D_Weavers. 

Thank you for sharing your thoughts about the current content of auto-apply credits on projects in QuickBooks Online. 

But don't worry, The voice of our customers is more important. Every added feature was developed and implemented by our engineers to provide customers necessities that fit everyone’s business. 

Rest assured, our developer's team is working hard to develop the best features to fit the needs of our customers.   

In addition, you can visit our QuickBooks Resource Center so you'll be updated with all the new features released in our software. 

Please know that the Community and I are always here to help you out to make you and your business easy and functional. Take care!