A business credit card limit is the maximum amount of money your business can borrow from its credit card issuer at a given point in time. With a business credit card, you can borrow against the same credit limit over and over as long your account remains open and in good standing. But to keep your business credit card in good standing, you must follow certain rules (the terms and conditions found in your credit card agreement).

One of the rules you must follow when you open a business credit card is to not exceed the credit limit on your account. For example, if you qualify for a small business credit card with a $15,000 credit limit, that number represents the highest balance you should ever charge on the account at once.

It’s also typically best to keep the balance well below your credit limit to avoid any potential problems that going over the credit limit could cause. Thanks to the CARD Act of 2009, card issuers can’t charge over-the-limit fees on consumer credit cards unless you opt in to allow those fees. So, if you try to charge a transaction that’s above your credit limit on a consumer credit card, there’s a good chance your credit card company will simply deny it.

However, one of the details you should know before getting a business credit card is that the CARD Act doesn’t apply to these accounts. Some business credit card companies may choose to follow certain CARD Act guidelines on a voluntary basis. Yet it’s important to review terms and conditions, including whether you could be subject to over-the-limit fees or other fees, when you consider any new business credit card account.