Can I use credit cards for instant funding? What about business debit cards? For instant funding, you must use a personal debit card, not a credit card or business debit card. Related articles How do I fund my FutureCard**? I got an error message that says “Oops! That didn’t work”. Why? What are the instant transfer limits? I got an error message saying I'm not eligible to use instant funding. Why? What are the FutureCard** transfer and purchase limits?