Negative Giftcard Balance?

I didn't think it was possible, but I got a prepaid American Express giftcard that I used a few times, lost track of the balance, and just went to check it a minute ago. My balance is -.62 cents.


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Yup, bettter pay before they send you to collections. I just got a collection notice from my paypal card ( . How bad does that affect my credit?

That's such horse shit! It says on the homepage that it will be declined if funds aren't available, which it should have been. However, it wasn't, so it's their fault!!!! Blah, I'm not 18 so it can't affect my credit D

You have a shitload of tabs open. P

[quote0ada2a4f24="OldManWrigley"]That's such horse shit! It says on the homepage that it will be declined if funds aren't available, which it should have been. However, it wasn't, so it's their fault!!!! Blah, I'm not 18 so it can't affect my credit D[/quote0ada2a4f24]

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Just pay the balance...

[quote2cd368999c="TFOAF"]You have a shitload of tabs open. P[/quote2cd368999c]

Heh that's nothing. One time I had 3 browsers open with 103 tabs total shock


How am I supposed to pay the balance? They have no idea who I am either!

How did you pay for the card? If it was paid by credit card I'm sure you could be tracked. Or if it was a gift then that person might get called.

I'm sure AmEx keeps a track of all their authorized cards... Even the "gift" cards. I would just call them up, explain the situation and pay up...

[quote62fb756c4e="OldManWrigley"]I didn't think it was possible, but I got a prepaid American Express giftcard that I used a few times, lost track of the balance, and just went to check it a minute ago. My balance is -.62 cents.


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Can my Card have a negative balance?
Attempts to make purchases in an amount greater than your available funds will almost always be declined at the point of sale. Occasionally, however, a merchant may not pre-authorize the sale and this may result in a negative balance.
By using a prepaid Card, you agree to be responsible for any negative balances that may occur. To repay a negative balance, you may use a certified check, money order, or an American Express Card. Unfortunately, we cannot accept other types of credit cards to repay negative balances.

To pay with an American Express Card, please call the toll-free number on the back of your Card. All other types of payments shall be made payable to

Attn Prepaid Card Collections, Mail Code 02-04-07
4315 S 2700 W
Salt Lake City, UT 84184-0407

http//www10.americanexpress.com/sif/cda/page/0,1641,22147,00.asp

Well if its not linked to your name ext...Then just fuck it.

Good idea, MyJobIsThis.. stealing is AWESOME! Do the right thing - either return what you purchased, or pay what you owe.

^^ Your right that .62 cents will make the difference in there company..... roll

[quotee66e1b4ef7="CollidgeGraduit"]Good idea, MyJobIsThis.. stealing is AWESOME! Do the right thing - either return what you purchased, or pay what you owe.[/quotee66e1b4ef7]

I mean a money order would cost more then what I actually owe, and I can't return it because it was used for Dunkin Donuts, McDonalds, and bowling oops


Oh and MyJobIsThis, let's try to not mouth off to the mods, they work very hard to keep us running in a peaceful environment, and get paid nothing. At least you can pay them respect.

[quoteb4d69551de="MyJobIsThis"]^^ Your right that .62 cents will make the difference in there company..... roll[/quoteb4d69551de]

shrug I guess my morals don't have monetary ranges.

I had the same situation with my AMEX gift card also, approx -$2.56. When I call the company though, they said they'll pick up the tab since it wasn't supposed to go through in the first place. So you owe nothing . . .

lol

Looks like you googled "techno" to make sure that it really was "techno" and not "tech no" like tsmith said. lol

[quote6fe2a840c6="CollidgeGraduit"][quote6fe2a840c6="MyJobIsThis"]^^ Your right that .62 cents will make the difference in there company..... roll[/quote6fe2a840c6]

shrug I guess my morals don't have monetary ranges.[/quote6fe2a840c6]

^^^ What he said. It's the principle.

I guess by that logic it's okay to shoplift a pack of gum from Wal-Mart, since surely that .79 is not going to make a difference in their company..... roll

Its a waste of time for you to pick up the phone for 2$. There is a limit to my morality and that is that the monetary value is within my non-caring limits. If it was like 50$ I would do something. 2$ is a waste of my time and theres. Of course I am not going to go out of my way to take 2$, that would be stealing IMO.

[quote8ae74cd8a7="Allen626"]Its a waste of time for you to pick up the phone for 2$. There is a limit to my morality and that is that the monetary value is within my non-caring limits. If it was like 50$ I would do something. 2$ is a waste of my time and theres. Of course I am not going to go out of my way to take 2$, that would be stealing IMO.[/quote8ae74cd8a7]

So, you shouldn't go out of your way to pay for what you purchased? At what monetary value does it become wrong to steal something?

[quote9da61130b0="dmorris68"][quote9da61130b0="CollidgeGraduit"][quote9da61130b0="MyJobIsThis"]^^ Your right that .62 cents will make the difference in there company..... roll[/quote9da61130b0]

shrug I guess my morals don't have monetary ranges.[/quote9da61130b0]

^^^ What he said. It's the principle.

I guess by that logic it's okay to shoplift a pack of gum from Wal-Mart, since surely that .79 is not going to make a difference in their company..... roll[/quote9da61130b0]
It's not like he had the intention to steal when he went bowling or bought fast food.

[quote49aee2dc44="zdub08"][quote49aee2dc44="dmorris68"][quote49aee2dc44="CollidgeGraduit"][quote49aee2dc44="MyJobIsThis"]^^ Your right that .62 cents will make the difference in there company..... roll[/quote49aee2dc44]

shrug I guess my morals don't have monetary ranges.[/quote49aee2dc44]

^^^ What he said. It's the principle.

I guess by that logic it's okay to shoplift a pack of gum from Wal-Mart, since surely that .79 is not going to make a difference in their company..... roll[/quote49aee2dc44]
It's not like he had the intention to steal when he went bowling or bought fast food.[/quote49aee2dc44]

Nope - the intention to steal came when he decided he wasn't paying what he owed.

Look, if he's not going to take care of the negative balance, that's up to him. I just think it's ridiculous to say it's not stealing.

Maybe the bowling alley had the intention to steal by not "pre-authorizing" the sale?!?!!

Most people would probably decide not to pay because 1. They didn't mean to do it, 2. It's not their fault, and 3. It has no effect on anything at all.

..but I guess you're just a great guy CG

If you called up, they would probably laugh and tell you not to worry about it.

[quoteb5c39bd852="zdub08"]Maybe the bowling alley had the intention to steal by not "pre-authorizing" the sale?!?!!

Most people would probably decide not to pay because 1. They didn't mean to do it, 2. It's not their fault, and 3. It has no effect on anything at all.

..but I guess you're just a great guy CG[/quoteb5c39bd852]

Nobody's perfect, but if it's not mine and they didn't truly give it to me, I don't see where I'd have any right to keep it. If the cashier gives me too much change, I give it back. It's just the right thing to do. I guess I just don't believe in keeping something, if it isn't rightfully mine shrug

So, if you found a guy's wallet on the street, it's fine to just keep the money inside? I guess I just don't see how you can set a monetary value on at what point it becomes stealing.

Additionally - is it wrong to steal a CD, movie, or video game from Best Buy? Even stealing a video game [bb5c39bd852]system[/bb5c39bd852] isn't going to impact Best Buy's bottom line in any appreciable amount, but it's still stealing something.

I just don't see how anyone can say that it's not stealing, just because it's only a certain value, or that it wouldn't "hurt" the company.

[quote12df983df5="gruffer"]If you called up, they would probably laugh and tell you not to worry about it.[/quote12df983df5]

Yea just call em and they will probably say don't worry about it...

[quote4d89bc83ab="CollidgeGraduit"][quote4d89bc83ab="zdub08"][quote4d89bc83ab="dmorris68"][quote4d89bc83ab="CollidgeGraduit"][quote4d89bc83ab="MyJobIsThis"]^^ Your right that .62 cents will make the difference in there company..... roll[/quote4d89bc83ab]

shrug I guess my morals don't have monetary ranges.[/quote4d89bc83ab]

^^^ What he said. It's the principle.

I guess by that logic it's okay to shoplift a pack of gum from Wal-Mart, since surely that .79 is not going to make a difference in their company..... roll[/quote4d89bc83ab]
It's not like he had the intention to steal when he went bowling or bought fast food.[/quote4d89bc83ab]

Nope - the intention to steal came when [b4d89bc83ab]he decided he wasn't paying[/b4d89bc83ab] what he owed.

Look, if he's not going to take care of the negative balance, that's up to him. I just think it's ridiculous to say it's not stealing.[/quote4d89bc83ab]

Excuse me sir, I never said I wasn't going to pay it. I made this thread to find out what to do about it, clearly meaning I didn't want to just leave it with a negative balance for a few reasons. Personally I don't think it's stealing on my part. If I knew for a fact I didn't have the available funds and was crossing my fingers to get away with it, put my account in the negative, and never pay them....that would be stealing. I had no idea my balance and assumed, as AmEx said they would, the sale would be declined. That wasn't the case. I plan on calling and see if they want a check sent to them for 62 cents. If they do, big deal. I used their money without their permission, so obvious I should be held responsible for the balance.


[quote4d89bc83ab="J4320"]Looks like you googled "techno" to make sure that it really was "techno" and not "tech no" like tsmith said. lol[/quote4d89bc83ab]
No I knew it was only one word, I just was making sure it was spelled techno and not like techano or something stupid like that. Just had to make sure so that, because in the past I've tried to correct something with something incorrect, so even if I'm 99% sure on something, I have to double check it. (One time I made fun of someones grammar and spelt said something like "Oh wow you really need to check your grammer". One of those makes an ass out of me and you type of thing. Oh well.


[b4d89bc83ab]I'm not a theif![/b4d89bc83ab]

OMW - my apologies, I got caught up in arguing the logic. I didn't mean to portray you as a thief.

I'm a thief.

$62 cents? How do you sleep at night? thief.


Just kidding. Its not your fault it wasnt declined, dont worry about it.

[quote247120068e="Allen626"]Its a waste of time for you to pick up the phone for 2$. There is a limit to my morality and that is that the monetary value is within my non-caring limits. If it was like 50$ I would do something. 2$ is a waste of my time and theres. Of course I am not going to go out of my way to take 2$, that would be stealing IMO.[/quote247120068e]

Exactly, The goverment doesn't go out of there way to give me every single tax dollar back.... I frankly would not and do not give a danm about .62 cents

[quote889724cc26="MyJobIsThis"][quote889724cc26="Allen626"]Its a waste of time for you to pick up the phone for 2$. There is a limit to my morality and that is that the monetary value is within my non-caring limits. If it was like 50$ I would do something. 2$ is a waste of my time and theres. Of course I am not going to go out of my way to take 2$, that would be stealing IMO.[/quote889724cc26]

Exactly, The goverment doesn't go out of there way to give me every single tax dollar back.... I frankly would not and do not give a danm about .62 cents[/quote889724cc26]


Now imagine if there were 1,000 people like you who would not give a damn about stealing $2. $2x1000 = $2,000. I think they would care about a loss of two grand.

if its not registered under your name it really doesnt matter