@Carol Bosma, I agree that this is a huge hole. Did you find a way to attach the image to the credit memo entry at all? The advice I found with the attached article specifically says it doesn't work if your system is hosted by Blackbaud so I haven't found a solution yet.
@Tina Sample
The only get around to adding a credit memo is to upload it as an attachment to the invoice that you are applying the credit memo to.
Having to apply a credit memo in order to use it is also another process that I think should be changed. I don't think credit memos should have to be applied to a specific invoice, instead a payment should not be made to a vendor unless the sum total of invoices and credit memos is an amount due and a payment should not be made when the credit memos (an overall credit balance is showing) exceed invoices and thus no payment should be due.
