HT5035 Card did not credit correct amount

I've just tried to redeem a £15 gift card but it only shows a £ 11.01 credit? Can anyone explain why please?  Thank you!

Just curious but how does an account get into arrears.   
If you try to purchase something and you don't have sufficient funds, Apple will demand a credit card to charge the balance to, or the purchase will be declined.   Similarly with people using gift cards.   Insufficient value means the sale will be declined.
I've often wondered how the situation arises.   Can you tell us, Dah*veed.

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