You may view your account credit limit by clicking on the Account Balance button on the sidebar menu of your myHome Account.
The account owner shares the account credit limit and account member/s so their combined purchases cannot exceed the account credit limit even if they haven't reached their individual purchase limits yet.
For example, owner A's account credit limit is P3000 and he assigns a purchase limit of P2000 to each of his 2 account members, B and C. If Owner A already consumed P1000 and B consumed another P1500, C can only consume up to P500 only. They will have to wait for the credit limit to refresh on the next billing cycle.