[GNC] credit card opening balance

[ToddAndMargo]

Hi All,

On a credit Card account, they owe me $18.00 (I over paid).
What do I enter for opening balance?  $18 or -$18?

And do I put in Payment or Charge?

When I enter a charge, why does "Transfer auto enter
"Orphan-USD"?  What is "Orphan-USD" anyway?

How do I tell the "transfer" column to bugger off and leave
me alone, unless I specifically want to transfer something.

Is there a way to turn "Transfer" off?

Many thanks,
-T