The field validation routine obviously doesn’t allow you to type in a negative value. You can create a product for the credit with a negative amount. This will set the field to the negative value when you select that product. This works for fixed value credits but not so much for credits that are arbitrary, set based on the particular situation.
For example, I have a product, “Labor”, that is $30.00 per hour and one for “Labor (Credit)” for -$30.00 per hour. This works for me because my labor cost is fixed and hence a credit is similarly fixed.
Let me know if this work around addresses your need not just for this circumstance but on going for future situations.
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