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What happens when you run out of credit on PAYG?

Petard
Rising Star
Posts: 140
Thanks: 23
Registered: 22-08-2011

What happens when you run out of credit on PAYG?

Does the system stop working immediately, cut off in the middle of a call, prevent fresh calls?
In other words, is it possible to run up a negative balance?
The answer to this question is relevant to whether it's worth bothering with IP ACLs and call barring rules.