The first way to check if you have the right card is to look at its balance. If it is less than what is needed to open an account, then you don't have the right card and should stop searching. Next, look at the type of account: business or personal? Both accounts have the same limit but have very different needs. If the requirements for one are very different than the other then you may have the wrong card. For example, if your business needs more money to pay bills than personal, you will be unable to use a personal card to visit your bank and obtain more funding from there.