Facebook & Meta Ads
Credit Line
A spending limit Meta extends to an ad account so it can run ads before the balance is paid, settled on a billing threshold.
A credit line on a Meta ad account is a spending limit the platform extends so the account can run ads before the balance is paid, settled when it hits a billing threshold. Higher limits mean faster scaling without topping up between launches, which is why buyers chase warmed accounts with real credit.
Treat the credit line as leverage, not free money. Accounts on credit lines scale faster but are the first hit in a ban wave, so keep spare accounts warmed and manage the debt deliberately. When Meta storms the credit lines, the unprepared lose both the account and the unpaid spend.
In buyer speech
“Those BMs are on a $1500 credit line — great for scaling, but move the profit out daily in case Meta storms them.”