gistfile1.rb

 a/app/models/card.rb
+++ b/app/models/card.rb
@@ -66,9 +66,17 @@ class Card < ActiveRecord::Base
       end
     else
       #FIXME logic for Personalized cards
+      if (self.balance + amount) <= max_balance
+        if (self.card_load_transactions.for_today.sum(:amount) <= max_daily_loads)
+          return true
+        else
+          return false
+        end
+      else 
       return false
     end
   end
+end