I would like support to consider changing the way the finance charge is applied in the system.
When an overpayment is made in either receive payments or pay bills and there are no more invoices...
Agreed. The Finance Charge is very confusing. The finance charge does not show as a CR on the customer's statement and it does not show up under the Returns & Credits tab in the Sales Register. As mentioned, it would be very easy for monies to end up in a black hole.