If yest to the latter, what happens when you try to force load an extra chart (say France). My guess is the software crashes .. as a number of us have found. One workaround is to uncheck display of roads & rivers. This takes less memory.
If the charts are not put on the card during sync process (and you have asked that they are synced) then I think there is a manual way of transferring them but have never had to do it.
Between us I am sure we can help you.
David