Let me provide some information about deleting unapplied cash credits and help you from there.
The unapplied cash payment income account is automatically created by Quickbooks for cash-basis reporting and cannot be deleted or changed. The IRS requires this account for proper reporting of "Constructive Receipt Income."
You can delete the unapplied cash credits from the Unapplied Cash Payment account. Here's how:
Click Accounting from the left menu, select Chart of Accounts.
Type in Unapplied Cash Payment in the search bar.
Under the Action column, hit Run report link.
Set the Report period where the payments belong.
Choose Transaction Type for the Group by filter.
Hit Run report.
Locate the payment (credit) and select the Payment link.
On the Receive Payment window, hit the More button at the bottom.
Select Delete, then Yes to confirm.
Then, repeat steps 7-9 for the rest of the credits.
To give you information about how unapplied payments work in QuickBooks Online (QBO), take a look at these articles: