Hello there, maribeth2015.

Thanks for sharing your thoughts about the solution provided.

Being able to create an option in the Vendor Credit which allows debiting to Cash or Accounts Payable is a good idea. We're taking notes of this suggestion as we want our customers use QuickBooks in the most efficient way. 

While we continue to work in improving the product base on our customers preferences, please check out our QuickBooks Blog. From here we will post the most recent product update including the new features added in QBO.

Be sure to get back to me if you have additional questions. I'd be more than happy to assist you further. Wishing you well.