Finance charge when patient has credit balance

[sdod]

We're having an issue when printing statements.

Patient has a long-standing credit balance (return, reward for referral, etc).

They have a new charge & when statements are printed, it's adding a finance charge because of a (-) balance that was on their account.

Realize that the credit should be applied already, but often gets missed (wish Crystal would alert to all credit balances).

Anyway to avoid finance charges being added when an older credit balance is on their (or family member) account?