you can adjust your billing before applying payment to invoice.
if you have already applied the payment, create a 10c credit invoice to apply the ten cents to

Credit invoice is not the way to go here. You can enter an adjustment to clear the .10 cents.  The adjustment type can be one of 4 different types depending on how you want it to affect the Customer, Contract, Job and the GL.

Billed credit - applies a billed credit adjustment to the invoice and decreases the billed amounts on the Customer, Contract, Contract Item and Job. This also reduces the revenue amount in General Ledger. Use this type when you want the credit memo to reduce the amount billed for the invoice.

AR credit - applies a credit adjustment to the invoice but does not decrease the billed amount on the Customer, Contract, Contract Item or Job. It does affect the Write-off account from AR Settings in General Ledger. Use this type when you want to reduce the receivable amount for the invoice without affecting the billed amounts.

Bad debt - applies a credit adjustment to the invoice but does not decrease the billed amount on the Customer, Contract, Contract Item or Job. This does affect the Bad Debt account from AR Settings in General Ledger. Use this type when you want to reduce the receivable amount for the invoice without affecting the billed amounts and you want this adjustment to be reflected as a Bad Debt write-off in General Ledger.

Write off - applies a credit adjustment to the invoice but does not decrease the billed amount on the Customer, Contract, Contract Item or Job. If this is a non-finance charge distribution, it also affects the write-off account from AR Settings in General Ledger. If this is a finance charge distribution, it also affects the finance charge write-off account from AR Settings in General Ledger. Use this type when you want to reduce the receivable amount for the invoice without affecting the billed amounts.

When entering the Adjust in AR, Adjust receivables the balance of the invoice will prefill ini the Adjustment amount columns.  Select the desired adjustment type based on how you want this to affect AR/CN/JC/GL