Excluding Credit Card and Prepaid amounts from Credit exposure without creating AR receipts

I would like to exclude the credit-card payment and pre-payments done by the customers in the credit exposure and credit check calculations. I could achieve this specifying the multiple payments in the payments window against the sales order. However, it is mandating me to

1. Select the pre-pay option against the payment to specify the amount.

2. Create Payment Receipts in AR when the order is booked.

I would like to avoid creation of payment receipts but still be able to capture the multiple payments and exclude the non-term payments from credit calculation. Credit cards Receipts creation should happen after the booking or invoice creation is complete.