I think every active reseller of a company which use WHMCS know the value of "Disable Auto Credit Applying" to be active,
But as almost all companies believe most clients like "Disable Auto Credit Applying" to be disabled they refuse to active this option just because of their few active resellers.
So please please make this option to be configured per client, and so you will ease our everyday life very much,
Please investigate this request deeply and implement it in next version, I guess it's too easy to be implemented.
Your understanding will be much appertained.