- Let's say a cardholder has a remaining balance of $3 on their card. When they then go to put gas in their car, the gas station puts a hold of only $1 on their account.
- The card user fills up their tank, for a total equaling $50, and goes on their way.
- However, the transaction is still pending. Once the charge is processed, the initial $1 hold will be included in the final $50 total and the card balance will now be -$47.
- In other words, the card user has spent $47 more than the $3 balance on the card, resulting in a negative balance ($3 minus $50 equals -$47).
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