Card limits belong in policy, not a spreadsheet
Spend control fails when the limit lives in a sheet nobody opens on the day the card is used.
MandoClaro
Most companies have a card policy. Fewer have it at the moment of spend.
A spreadsheet of limits is a document. A limit on the card is a control. The difference shows up in the close, when finance is asked to explain a charge that never should have cleared.
Put the rule on the card
When a teammate books travel, the merchant, the amount, and the budget should already match the policy on that card. If they do not, the card declines. That is kinder than a month-end argument.
What to encode
- Merchant categories the role is allowed to use.
- A hard amount, not a note in Slack.
- An expiry, so unused cards do not linger.
Keep the spreadsheet for planning. Put the limit on the card.