Script on Approval Templates

Hi Experts, Iam beginner in terms of scripts, i have a script coming from previous helper, regarding Approval When Credit Limit Exceeded but i have a problem on all the business partner with COD Terms or 0.00 Credit Line. how can i make this no need an approval popup when Business partner has a Zero or COD Terms.

Please see my script Below:

SELECT distinct 'true' FROM OCRD T0  INNER JOIN ORDR T1 ON T0.CardCode = T1.CardCode WHERE T0.[CreditLine] <  T0.[Balance] and T0.CardCode=$[$4.0.0]

Thanks

REgards

Jorge Alviar