Sales order goes on credit hold but within credit limits

We have a situation where the customer sales orders are going on credit hold, but the customer is not over the credit limit, no past due invoices, open amount in account status summary is same as customer ledger open amount, no future date orders. There is a hold code "PT" in billing information, which is legitimate and is released, but the credit hold remains. Users are not keying the hold code in the order header as it is already populated with "PT" and is protected. Credit analysis refresh R03B525 runs on scheduler daily. The OTOT in