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Customer Credit Limit and Hold

Greetings -

I am on a One World instance and I have a subsidiary that wants to start using Customer Credit Limit and Hold. Our accounting preference is set to Warn. I understand that the Customer record needs to have the Credit Limit completed and that 0.00 is valid but null is not. One questions is - when does the warning appear? They are creating Invoices. I see several SuiteAnswers talk about creating Saved Searches to be notify of the Alert. Is that the only time the user would know? What if I changed it to

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