Apply For Credit Card With No Credit History Can You Apply Credit Memos To Open Invoices Without The Customer's Consent?

Can you apply credit memos to open invoices without the customer's consent? - apply for credit card with no credit history

I am a dealer. Some of my old accounts back (to 2005) notes that no credit for any reason those of open invoices in your account. Can I credit notes, invoices, without the consent of the customer? Is there a law or a generally accepted principle that prohibits this practice?