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Apply a customer credit to a sales order?

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When processing refunds, the refund is actually accounted for by a credit. I.e. a customer makes a sales order for equipment totaling $100. When they apply for a refund, $100 is added as a customer credit. OpenERP automatically tries to make entries for bank/cash/etc. How do I change this functionality? I just want this amount summed into a credit note and added as a payment option for future sales orders. It seems OpenERP can do this for suppliers if you overpay but it still does not allow this overpayment to be used in a future purchase order. After this customer has $100 credit, I need to add this credit as a payment option on another sales order. So if they order $100 worth of products, I can add the credit and the total invoice is now $0. If they order $150, when adding the $100 credit the total invoice is now $50. Secondly, is there no feature to view these credits on the partner form? Or to even total the amount of credits for all customers under Accounting?

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