Billing issues

Why does apple allow you to go over the amount of money you have on an apple gift card?? I had like .76 left on the gift card. But, I want to make it clear that I didn’t make these purchases but I have two pending purchases of a combined total of $4. This causes me to not be able to download ANYTHING out of the App Store due to a “billing issue”. Probably because of that $4 charge I can’t pay. Making me put in my debit/credit card information. **** no. I’ve explained that this wasn’t me making this purchase and nobody that has my passwords and stuff didn’t buy it either, but I didn’t get a reply. This isn’t a great iPhone experience!