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Skullwaker said:

To be fair, I have a Visa and that's what's connected to my eShop account, but whenever I try to load money onto my eShop balance it only lets me invest increments of $10, $20, $50 or $100. Honestly, I don't understand the logic behind this, lol. Maybe I'm doing something wrong?

If you try to buy a game without enough credit, it will let you add only the required amount to complete the transaction.