Sales order is blocking as result credit limits exceed

Hi,

I have credit management activated in my company,

I have set up FD32 records for some of the customers to check and block at
sales order level ( dynamic credit check) whenever credit limits crossed.

I do have new customers created daily for them 1 GBP credit limits.

my system started checking all customers even without credit limits (Without
FD32 records) and blocking them at sales order level.

Following setup available right now

can any one answer why it is happening like this

Regards

Subramanyam