On Sales order, there is a toggle "Exclude from credit management". For normal sales orders, this is set to No but for call center sales order, this is set to Yes automatically upon order creation.

This change was implemented in 10.0.21 version: Details for issue 572582 (dynamics.com) -

This is causing issues for some customers that would like the credit management check to be performed for all orders, albeit retail orders or SCM sales orders. The reason for the credit management check to be needed on all orders is to prevent ‘risky’ customers to prepay before placing an order.

Suggestion: Please add a toggle in Retail Parameters or Retail Shared Parameters that will allow for customers to select if they want the credit management rules to be applied on all orders or only on SCM orders.