Am I the only person on this planet ready to quit Quickbooks over their inability to change credits from automatically being applied every single time I go to pay a bill?

Thank you for returning to the Community, crang11. We understand that any potential runtime issues that may arise in your program have the potential to impact your business operations. Please know that this isn't the experience we want you to have. 

We know the importance of performing all QuickBooks activities efficiently. Credits being automatically applied to bill payments despite being turned off in automation is working as designed in the QBO program. We would be pleased if you could send our software engineers feedback or a feature request regarding this matter. They will take this into account in future product improvements. Here's how:

1. Click the Gear icon and choose Feedback.
2. Enter your comments or suggestions.
3. Select Next to submit.

You may, however, manually remove the credits as a workaround.

You'll want to view this article to help you track bills and record the payments in your QuickBooks Online account: Enter and manage bills and bill payments in QuickBooks Online.

You can also run reports within your program if you want to monitor the financial standing of your business.  

Please do not hesitate to visit us if you require further assistance with other QuickBooks-related matters, crang11. Feel free to utilize the Reply button below or make a new post in the Community again. Have a prosperous year with your business venture!