If I have insufficient funds, will my purchase use my credit then charge me the remainder or will it not use my credit and charge the whole purchase?

will an in app purchase bigger than my credit balance use my credit then charge the remainder to my credit card?

Tax on that item is raising its price to an amount higher than your available credit. If you choose to buy it and paying with iTunes Store credit is allowed for it, all the credit will be used up and any remaining amount will be charged to a credit card.
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    You can contact MAS Customer Support here.
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