Not if they belong to your customer and you’re not the issuer. However, if you are the issuer, there are risks. You’ll have to become like a bank, in a way, assessing a cardholder’s creditworthiness.  There is always the possibility that if you make the spending limit too high for one month, they’ll charge beyond their means to pay you back. This is just another example of why you should let a third party provide service charge cards for you.