Order goes on credit check failure holds for all the wrong reasons

This is on 11.5.10.2.

Scenario.

1. We merged two customers.  Customer A and Customer B

2. Customer A got Merged into Customer B

3. Customer B has no credit check hold and credit hold set up at customer level. And credit check boxes are unchecked

4. Customer B has site level credit check boxes unchecked and profile amount has credit limit of 1.5 million for customer level credit limit.

5. When we create Order Header AND HEADER ONLY in Order organizer WITHOUT entering  or even navigating to LINES tab and BOOK the order.  It applies "Credit Check Failure" hold.

WHY?

Has any one face this issue?  How did you resolve it?   Please share the wisdom.