Yes, the limit is often the difference. Multiply your $500 by 10 and I'm curious how a small to mid-size credit union treats it. If it's a cobranded card, it's

Yes, the limit is often the difference. Multiply your $500 by 10 and I'm curious how a small to mid-size credit union treats it. If it's a cobranded card, it's one thing. If it's a "Friendly Bank of Central Virginia" debit card, you may have less luck.