That's not relevant to "business" credit cards. The cards are issued to individuals, not to companies. Business card applications typically ask about the individual's income and the business' income, but not the business' profit. The individual is 100% responsible for the debt. If the business outgrows the line of credit that the individual's income can support the issuer may ask for documented financial statements, or migrate the customer to a Corporate card account. However, in this example the card was not used by a business, it was used by an employee for reimbursable expenses. The employee was, in effect, loaning money to their employer. Using a "business" credit card doesn't change the risk in this circumstance.