Handling PrePayment Terms on Orders where Credit Check Limit is NULL or 0

We're on Oracle 12.1.3

In Order Management we make use of credit check and for orders that are "Prepay" we don't want to extend credit to the customer so the credit limit on the customer (or site) level is either NULL or Zero.

When the order is booked, the order should go on credit check hold. AFTER a payment of check or cash is applied to the order, the Credit Check Processor should release the credit check hold. It isn't doing it because the credit limit is 0 on the customer profile but there is a payment/receipt applied to the order/account. I have even gone as far as "Clearing" the receipt in Cash Management. No difference, the hold does not get released.