Hi there, zalfamishab.
Yes, you can prevent QuickBooks from automatically linking credit notes to the invoices. To do this, you'll need to turn off the option to automatically apply credits.
Once done, you can now manually apply a credit note to an invoice. Please follow the steps below.
For additional information, you can check this article: Create and apply credit notes or delayed credits in QuickBooks Online. This also provides details on how you can create and apply a delayed credit.
Please refer to this article to see steps on how to create a journal entry to transfer the credit from one customer to another: How can I transfer a credit from one customer to another?
Please let me know if you have other questions related to QuickBooks. I'm always here to help.