I'm having the same issue right now. I have several Visa gift cards and they all look the same. I accidentally handed the cashier the wrong one, but the charge went through seamlessly. I didn't realize it was the wrong card until I checked the balances online. Long story short, I have a negative balance of about $14. I have no issue paying that, hell I'd like to stick it on another gift card, but I will never pay a fee for overcharging (if they exist) because the card should have been declined in the first place. I'm curious as to whether or not Visa actually does (or can do) anything about this. They 'say' on their website that gift card users are responsible if there are any overcharges, but they don't say what action will be taken or how to pay those overcharges, or how they'd even know who to contact LOL. I wonder if its some sort of technical oversight- my Vanilla Visa gift card had no issue being declined.
They have my info (which can easily be changed) because I registered it to use it for online purchases, but how would they even know that I was the one to charge it??? What if I'd thrown it in the trash and some homeless person had picked it up and used it? So my point, is that if Visa cannot ensure that their cards are properly declined when there isn't enough money on the card, then how can we as consumers be protected when we dispose of them if it they can be used infinitely and we are considered responsible? I might call them to inquire about the situation, but I don't think they'll actually do anything about it. Not for a few bucks- maybe if I'd charged thousands of dollars they might notice, but not less than twenty. This is just my opinion of course, but of all the people's comments I found online who are asking the same questions as the poster, NOT A SINGLE ONE has admitted to ever actually receiving a bill for gift card overcharges- I'm talking about from the Visa gift card people, not the vendor.