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In most cases, you can't spend more money than you have already loaded onto your prepaid card. Overspending or overdrafts can occur in some cases where a prepaid card may be linked with a checking.
Generally, with prepaid cards and debit cards, you can't spend more than you have loaded on the card or than you have in your account. If you try to spend more, the transaction is denied. However, some bank and credit union accounts allow you to make overdrafts, and so do some prepaid cards.
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