I appreciate you for joining the thread, @elba-blackstonem. I can share with you the steps on how to transfer customer credit from one job to another in QuickBooks Online (QBO).

In QBO, you can transfer credit from one customer to another by creating a journal entry. 

Here's how:

1. Go to the +New icon, then click on Journal Entry.
2. Enter the date.
3. On the first line, select Accounts Receivable from the Account drop-down list.
4. In the  Debit field, enter the amount being transferred.
5. In the  Memo field, note the reason for the journal entry.
6. From the Name drop-down list, select the customer/job name that credit is being transferred from.
7. On the second line, select Accounts Receivable from the Account drop-down list. Then, enter the Credit amount.
8. From the Name drop-down list, select the name of the customer/job that the credit is being transferred to.
9. Tap Save.

When you're ready to apply for the credit:

1. Select Receive Payment from the +New icon.
2. Select the customer/job that the credit was transferred to.
3. Make sure that the credit and journal entry is selected.
4. Follow the same steps for the customer the credit was transferred from.

Before performing the steps above, I recommend seeking assistance from your accountant to track the journal entry accordingly. He or she can also give you other options on how to record the transactions in your account.

You may review this link to learn more about how and when to give a credit memo or delayed credit to your customers: Create and apply credit memos or delayed credits in QuickBooks Online.

I'm also adding this link for more resources while handling your other sales or customer transactions in the future: Topics about your company's income and customers.

If you have any other questions about applying a credit memo to a payment, let me know by adding a comment below. I'm always here to help. Have a good one!