Hi there, @PELA8490.

Allow me to provide some insights about handling credit memos in QuickBooks Online. 

QuickBooks Online will automatically create a credit if your customer has an over-payment. You can apply this credit to an existing or new invoice. To get more information about this process, you may read through this article: Apply a credit from an overpayment.

Additionally, our developers are constantly working to improve our products and meet our customers demands. I'd encourage you to visit our QuickBooks Online Blog to be updated about our latest news, features, and updates about QuickBooks Online and what our Product Care Team is working on.

Also, if you have any other questions concerning QuickBooks that needs live technical support, you can always reach out to our Customer Care Team. 

That should do it.

Please let me know if I can be of further assistance. I'll be around to help you out. Have a great day!