Your card must be able to make a successful purchase first, before hotpoints Pay® will work. If your purchase will take your card over its limit, your purchase will be declined and hotpoints Pay won't work. While we want our customers to have the flexibility to use their hotpoints® in a way that suits them, we are mindful of our obligations as a responsible lender and want to ensure a positive outcome. You can still redeem for other reward options, such as Gift Cards or merchandise, which don't require the use of your credit card.