Hi @mch2,

Allow me to clear things up for you. 

I've replicated this situation on my QuickBooks Online (QBO) test account. I've confirmed that both situations work just fine. Going directly to an invoice, then pressing the Receive payment button, any open credit memos will be listed under the Credit section.

If this isn't the case, I suggest you check your settings and see if the system is automatically applying these credits.

Here's how:

1. Go to the Gear icon. 
2. Select Account and Settings.
3. Press the Advanced tab.
4. Search for the Automation section, then click on it.
5. Ensure the Automatically apply credits option is disabled.
6. Hit Save, then Done.

Otherwise, follow these troubleshooting steps for your browser:

1. Open your browser's private window. This isolates the cache, which is the usual cause of browser issues.
   • Google Chrome: Ctrl + Shift + N
   • Microsoft Edge: Ctrl + Shift + P
   • Firefox: Ctrl + Shift + P
   • Safari: Command + Shift + N
2. If that works, go back to your regular browser, and clear its cache. 
3. If the issue persists, open an alternative browser available for you. 

Any other issues you encounter that's browser-related, you can keep this article for reference: Troubleshooting browser problems. You can find steps specific to a certain browser, along with links to other related articles. 

Do you need further assistance? Place a comment below, and I'll get back to you.