Help, I need some answers

Long story short I’m running into a problem. CDC only allows 1k daily limit to be topped up with a debit/credit card for jade members. 10k daily limit if using your fiat wallet. Let’s say today I wanted to purchase a computer that cost 3-4k. I can’t use the cdc card unless I plan this out accordingly and for two days max out the debit upload option. Why? Because the fiat wallet holds funds for 5-7 days while doing ach bank transfers. So basically if your buying shit on the fly, your not going to be able to use their card. Is there a way around this y’all have found? TIA!