i had same experience... me and my friend, i just used the card once and all of the sudden all the balance amount are gone without spending it. when i called the bank they couldn't explain to me what the hell happened, they just said ' yah ur balance are finished '... just like that without clarifying. and if you didn't pay your monthly payment at their due date, you will received a call that you have to pay this amount or they gonna open a case against you... how was that???!!!!!!