AR: How to Apply Credit Memo to a Paricular Line in Invoice

We can create Credit Memos in 2 ways,

1: Transaction Work Bench-->Invoice-->Actions-->Credit: If we go with this approach we can create a Credit Memo and can apply either at Invoice Line or Balances Level

2. Transaction Work Bench-->Credit Memo-->Actions-->Applications. If we go with this approach we can apply to the Invoice only at Balances Level.

Is there any way we can apply the Credit Memo at Line Level even with second approach.

Note- For some reasons we are required to use only 2nd way for creating the Credit Memo.

Appreciate your inputs.

Regards

Uday