abstract:A credit note or credit memorandum (memo) is a commercial document issued by a seller to a buyer. The seller usually issues a credit memo for the same or lower amount than the invoice, and then repays the money to the buyer or sets it off against a balance due from other transactions.
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A credit note is a piece of paper that a shop gives you when you return goods that you have bought from it. It states that you are entitled to take goods of the same value without paying for them. 信用凭证
[英国英语]
When the credit-linked notes turned sour following the 2008 financial crisis, Hong Leong claims it lost tens of millions of dollars and suffered damage to its reputation with clients.