If a purchase totals more than the amount on the card and the merchant processes your card correctly by sending us an authorization request, the transaction won’t work and your card will decline. However, there can be times when a merchant processes your card without sending us an authorization request. A restaurant tip can also overdraft a card, so be mindful of your balance at restaurants when leaving a tip. If the card overdrafts, you’ll need to send a payment to Cardholder Services to cover the negative amount.
Payments should be sent to:
Cardholder Services
PO Box 5109
Buffalo Grove, IL 60089
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