Your company's credit limit is the amount that your company can spend as a whole within your statement period. This limit is dynamic by design and is adjusted on a regular basis depending on a company's spending patterns and cash balance.
Your user limit is the amount that you are able to spend as an individual user on a monthly basis. It will reset on the 1st of every month and is determined by your company Admin. This limit is independent of your company's credit limit and spend as a whole.