Customer Credit check Box

I unchecked the Credit Check box in Profile Class for a customer because I don't want credit check for this customer, but Orders still go on hold when fail credit check.   When I uncheck the box at payment term level than no credit hold even when credit check box is checked for the customer.  It seems like Credit Check is controlled by Credit Checkt box at Payment Term instead of at customer level.  Just wonder what is the purpose of this credit check box at customer levvel.

Can someone claify this finding, please?

Thanks!