I don't want to have to go through and unapply the credit amount to 10 different invoices each time I go to pay a statement, it shouldn't automatically put in an available credit amount.  I would like to input the amount myself when I need to.  This isnt a convenience, it's needless pain.  And when you miss one of these credits its a complete nightmare to go back and unapply and deal with that and reapply to the correct invoice.  Its pretty simple, dont apply the credit amount for us in the pay bills screen.  I've seen comments now from hundreds of different people, this should be a pretty easy fix.