stop credit auto apply

Hello, magnum44.

You'll want to turn off the setting in your Preferences. I'm happy to show you the steps on how to do this. 

There is a setting where QuickBooks will automatically use vendor credits when paying bills. Here's how to turn it off:

1. Click the Edit menu, then select Preferences. 
2. Select Bills.
3. Click the Company Preferences tab.
4. Uncheck Automatically use credits.
5. Click OK. 

For reference about paying your bills, you can check this article: Pay bills in QuickBooks Desktop.

Need to reconcile your bank after dealing with your expenses or transactions? Feel free to read this article for a guide on the process: Reconcile an account in QuickBooks Desktop.

I'll help out again if you have other concerns in QuickBooks Desktop. I'll give some guides, details and other pointers on the processes.