A negative balance may occur in exceptional cases, such as when a transaction is posted after your available balance has been used and Auto Transfer is turned off.

For example: You make a purchase, but the merchant does not complete the payment in time. The amount that was temporarily held may be released back to your Multi-Currency e-wallet account. If you spend those funds and the merchant later completes the original payment, the amount will still be deducted. If you no longer have sufficient balance and Auto Transfer is disabled, this may result in a negative Card Account balance.

If this happens, top up your Multi-Currency e-wallet account to clear the outstanding amount as soon as possible. If you do not recognise or did not authorise the transaction, you may submit a dispute.