its 320
you can add your cc info or bank info in and you get your withdraw limit raised to 600 something i think
also your withdraw limit resets at the time you took out the max
so say you take out 320 at 5 pm - you cant take out again tell 5 pm the next day
BUT you can use the card still
you can never run the card as a debit card. It will get declined
You have to make sure they are running it as a credit card
Im an epassporte nerd ;)