I think you should be interested suddenly when you see that something is not going as usual. It can be a problem for them, at best. But if not better not to risk and solve the problem at once. For example, I have my own business, but I use the card from there for my buyers, and I don't have such problems, and I haven't had any. They use everything from
https://www.nationalbusinesscapital.com/business-loans/small-business-loans/, and they control that their clients do not have such issues. That's why to be very careful when it comes to banks and bank cards.