Transactions exceeding your card limit or available balance will be rejected. For this reason, as you use the debit card throughout the year, you should check your available balance at the "View Your Accounts" page of this site. This way you will know how much is available and you can request that the merchant charge only up to the available balance on the card. You may pay for the transaction and file a claim. Your reimbursement would only be for the amount of money you elected, minus the card fee and any other expenses incurred previously. You would not be able to get more reimbursements during the plan year either using the card or by claim forms as you would exceed your election amount.