Help Center / Corporate Cards

Card Spending Limits and Policies

What is this page about: How your Light corporate card spending limit works, what happens when a transaction hits that limit or a card is frozen, and how to request a limit change.

On this page

  • How your spending limit works
  • What happens when you reach your limit
  • Other reasons a transaction is declined
  • Requesting a limit change
  • Managing your limit

How your spending limit works

Your Light card comes with a spending limit set by your company's finance team. Limits apply at three frequencies, and your company can combine more than one on the same card:

  • Per transaction: the most you can spend on any single purchase
  • Weekly: the most you can spend in total across a calendar week
  • Monthly: the most you can spend in total across a calendar month

Light applies your company's default limit once, at the moment your card is issued, a starting configuration, not a fallback that kicks in later if a limit is ever missing. Any change after that comes from your company's admins or finance team (see Requesting a limit change below).

Check your card's current limits anytime on the Cards page in Light.

What happens when you reach your limit

If a purchase would exceed your spending limit, Light declines the transaction and sends you a notification. The charge doesn't go through.

When that happens, reach out to your finance team or manager to talk through:

  • Whether the purchase is necessary
  • Whether your limit needs to change
  • An alternative way to complete the purchase

Other reasons a transaction is declined

A transaction can also decline if your card is frozen. A frozen card blocks all new transactions until your company unfreezes it. If your card is frozen and you don't think it should be, contact your finance team.

Requesting a limit change

Only your company's admins or finance team can change your card's limit, you can't adjust your own limit in Light.

To request a change:

  1. Contact your finance team or manager.
  2. Explain why you need more spending capacity.
  3. Share the purchase details: amount, vendor, and business reason.

Your finance team or admin updates the limit directly in Light. Once they save the change, it applies immediately, with no separate approval step.

Managing your limit

  • Check your current limits anytime on the Cards page in Light.
  • Request a limit change before a large purchase, not after.
  • Attach receipts promptly so your finance team can review your transactions faster.
  • Use your Light card for business expenses only. Personal charges aren't permitted, and violations of your company's spending policy may result in disciplinary action.

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