What is credit radio button

Hello there, Richhay.

I can help answer any questions you may have about QuickBooks. To get me on the same page, I have to gather more details about your concern. 

To clarify, are you using the desktop version or QuickBooks Online (QBO)? Also, are you trying to create a customer or supplier credit? 

I'd appreciate any addition you can provide. I look forward to your response. Have a good one.