# What is the Credit Card Limit?

### <mark style="color:$primary;">Overview</mark>

The **Credit Card Limit** allows payers to approve credit card transactions up to a set dollar amount within a rolling three-business-day period. This limit helps prevent overpayments, reduces the need for cancellations or refunds, and provides more controlled payment activity.

* Transactions can be approved using a credit card up to your assigned limit within the three-business-day window.
* All accounts are subject to a **minimum credit card limit of $5,000**.
* Once the limit is reached, additional credit card approvals will not be available until the rolling period resets or the limit is increased.

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### <mark style="color:$primary;">How it Works</mark>

1. **Log in:** Sign in to your PayCargo account using your registered username and password.
2. **Access funds:** Navigate to **Funds** from the dashboard or main menu to view your current credit card limit.&#x20;
3. **Increase limit:** Review your used and available funds, and select **Increase Credit Card Limit** if additional capacity is needed. Complete all required fields on the request form.
4. **Submit your request:** Send your request to PayCargo’s Support Team. A confirmation message will appear once submitted, and the team will follow up with next steps.

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<i class="fa-check">:check:</i> **Controlled spending:** Provides controlled spending and reduces overpayment risk

<i class="fa-check">:check:</i> **Transaction management:** Supports smoother transaction management and minimizes cancellations or refunds

<i class="fa-check">:check:</i> **Transparent payments:** Ensures transparency with rolling three-day tracking of approved credit card usage

Once the limit is reached, additional credit card approvals will not be available until the rolling period resets or the limit is adjusted

### <mark style="color:$primary;">Related Questions</mark>

<details>

<summary>What determines the credit card limit?</summary>

The right to manage and set the credit card limit on payers' accounts is reserved for PayCargo Support Specialist team based on account history and financial standing.

</details>

<details>

<summary>Can I make split payments if my credit card limit cannot be increased?</summary>

If the invoice you need to pay is over your credit card limit, you can make split payments on PayCargo.&#x20;

</details>