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They say it is better to open a personal card in Phuket, because payments on a regular card do not pass, for example, the same plane tickets cannot be bought and there are some restrictions and limits. Or is that not the case at all?
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Not at all) there is no difference if you want a named one, for beauty, then +400 on top and a week of waiting.
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The card is a piece of plastic. Any restrictions may be imposed on the account. It is also worth understanding that everything in Asia works 50/50 and how the Buddha will give. The transaction may not take place today, and tomorrow everything will be OK. With air tickets / hotels, too, everything is not so clear-cut. Cards of Thai banks may not accept directly the services themselves, although what you will have written on this card. Look for sites-services that accept directly transfers by Thai bank account