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Does SBI (or any other) credit card charge any fee for declined payment due to insufficient balance?

iM23

TF Premier
I have experience with SBI Debit card about charging fee for declined transaction due to insufficient balance. Does it also happen with credit cards? If so, does it happen both for POS and online transactions?

Also, does it happen for debit cards only in case of POS transactions or even for online transactions?
 
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