ITunes Charged my CC Instead of Gift Card

Hello,
A few days ago I had an iTunes balance of about $12.  I purchased a few apps via the app store and came across a blogging app that I thought would be perfect for my husband, since he's an avid Blogger.  It was a $2.99 app.  So, I gifted it to him.  However, iTunes did NOT charge my iTunes balance as I expected, but instead charged my debit card that was on file.  This would've been fine except my debit card didn't have sufficient funds on it to cover the purchase.  The $2.99 charge went through anyways and I was hit with a $35 overdraft fee by my bank.
At no time while gifting this app did I get a pop up confirmation that iTunes would charge my debit card.  Everything I'd previously purchased was debited from my iTunes balance so I assumed this gifted app would too.  Not so.  So, I emailed iTunes 2 days ago (with an auto reply promising I'd get a reply within 24 hours and I still haven't gotten a reply) explaining what happened and stating that I do NOT want the gifted app taken away from the person I bought it for, I just want iTunes to credit my debit card the $2.99 and deduct the purchase from my iTunes balance (I'm keeping a balance of $3.13 on my iTunes account specifically for this purpose).  That way, if they credit me, I can call my bank and state the charge was an error so (hopefully) they can credit me the $35 non-sufficient funds fee.
I came across a forum thread while looking up info about this and one person stated that iTunes gift card balances can't be used to gift apps, songs, movies, etc but can only be used to purchase apps, songs, movies, etc for the account holder.  Is this true?  I really hope not because if it is I'm pretty much screwed and charged a $35 fee over a $2.99 purchase.  Also, if this is true, WHY doesn't Apple/iTunes state this before someone gifts something?  Why didn't I get a pop up confirmation?  What are the chances Apple/iTunes will credit me the $2.99 and deduct it from my iTunes balance?  It's the only way I can have that $35 fee reversed.  I really don't want to have to dispute the charge with my bank because I happen to like the ability to purchase things on my phone once in a while.  I did take my debit card off my iTunes account.  From now on I'll ONLY purchase things with iTunes cards...I don't want to risk this happening again.

Well seeing as I've only had my iPhone for a few months, and had never used iTunes before that, it's new to me.  Apple can't expect everyone to know all of their rules right off the bat. 
So, in a nut shell, if and when I finally do get a reply from iTunes, the email will pretty much say "to bad, nothing we can do"?
*Edit: Thank you for the link.  When I sent the email to iTunes about this, I didn't know that.  I sent it as soon as I got the email recepit stating it was charged to my debit card.  Lesson learned.  I won't be having any type of currency associated with iTunes anymore unless it's an iTunes gift card.

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