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The only way to do this online is if the online retailer allows multiple forms of payment. You would first put in your gift card number and specify the amount that is on the card, and put the remaining balance on another card. Unfortunately, if the retailer does not allow more than one payment, then you cannot use the gift card if the balance on the card is lower than the payment needed.

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Q: How can you complete an order if you have less money on a Visa Gift Card you are using as billing than the item you are purchasing online?
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