You are not able to charge more than the balance available on your card. If you attempt to purchase with insufficient funds, the transaction will most likely be declined. If you do not have enough funds on your card, you can ask the merchant to perform a "split transaction". This allows you to pay part of the purchase with your card and the remaining amount with another form of payment.
Can I use my digital Mastercard for partial payment towards a larger purchase?
Updated over 6 months ago