I just tested this and sent the statement to myself, before sending to the customer, and I'm so glad I did! The statement formatting was off, and by including so much transaction history, with no memo, or explanation of why they have a credit, I found the whole thing confusing. It shouldn't be this complicated. I feel like I should create a credit memo, which duplicates the credit amount on the client's account, then void it when they use it to pay. It's stupid, and really not how I want to run my books, but I can't send a customer something that looks this bad.