I would like turn off the automaticalli payment applies the Quickbook  Desktop 2018?

I find the solution, but I dont find the :GEAR"  icon..  I waste  4 days  :(   Please help me !) 

Anna 

1. Select the Gear icon.
2. Click Account and Settings.
3. Select Advanced on the left of the screen.
4. Click the Pencil icon in Automation.
5. Remove the check-mark in the box next to Automatically apply credits. 
6. Click Save and select Done.