Credit Holds with cash sale sales orders

I think I am missing something here, but for the life of me, I can't seem to figure out what it might be.

Utilizing the 'enforce Credit Hold' feature, with the override credit holds preference disabled, everything works as expected with sales orders that are termed invoices.  Customer credit limit includes order is set as well, because- well, thats a no brainer.  :cool:

As I am locking down the credit hold process, I also created a cash sale sales order that requires credit card info - and successful preauthorization in order to save.  Yee haw, Im on a roll.

As I tested, almost finished, and I walked through the entire cycle.  I was unable to fulfill the preauthorized cash sale due to the credit limit being zero.  DOH!