Use case:

1. User receives a credit memo from a vendor.
2. User receives an invoice from the same vendor.
3. User wants to pay down the invoice from the vendor using the credit memo.
4. User wants to apply the credit memo to the open invoice using ACH to pay.
5. QuickBooks Online does not support applying a credit to an invoice and then paying the invoice using ACH, and throws an error dialog box.
6. User in unable to perform the required task.