Welcome to QuickBooks Community, Delish73. Thanks for bringing your concern to the QuickBooks Community page. 

Let me help you check why your credits are applied to your invoices even if the automatically applied credit feature is turned off. We can review your audit log to check who made changes to your account and rectify the issue. 

Here's how:

1. Sign in to QuickBooks as an admin.
2. Go to Settings ⚙ and select Audit log.
3. Click Filter.
4. Use the fields on the Filter panel to choose the appropriate User, Date, or Events filter to narrow the results.
5. Select Apply.

If you see a user you don't recognize, it’s most likely one of these:

• Online Banking Administration: This shows a change related to your connected bank accounts made automatically by QuickBooks Online.
• Support Representative: Shows changes made by a QuickBooks Online support consultant.
• System Administration: Shows changes made automatically by QuickBooks Online.
• Import Administration: This shows an automatic change related to the conversion of your data from the QuickBooks Desktop edition.

For additional reference, please check out this resource: What the audit log can do and how to use it to keep an audit trail.

You can also review these articles that provide step-by-step instructions on how to personalize your sales forms and record income:

• Customize invoices, estimates, and sales receipts
• Receive and record invoices.

Feel free to reach out if you have further questions about handling transactions in the program. I'm available to assist you whenever you need help.