what's the max card balance you're comfortable keeping?

Curious what threshold people use.

I see members in this thread discussing keeping hundreds or thousands on a card as if it's a bank account. It is not. The issuer can freeze it, the network can flag it, the jurisdiction can change.

My personal rule is: never more than I can afford to lose in a single failure. That means $500 maximum, usually closer to $200.

What are you actually keeping on these cards?

three hundred max. reload per spend.

I keep around $500 my friend. But I am in LATAM where options are fewer, so I have to accept more risk. I try to move it out as soon as I spend though.

I keep way more, sometimes $3-4k when I'm scaling up a campaign! It's never been an issue for me

How long have you been doing this without a freeze?

About 8 months now

Eight months is not a track record. It is a single market cycle.

When the compliance crackdown comes — and it will — the large balances go first. The fact that it hasn't happened yet is not evidence that it won't.

For what it is worth, I keep $200 maximum. The operational overhead of more frequent top-ups is not that high, and the risk reduction is substantial.