No. I started to use their card a few month before. Actually Im working in a Bitcoin related company so I have my payment in BTC to my Xapo card. (If you want I can tell you which company where im working in PM.) So no. I have money on it, and THIS IS NOT THE FIRST TIME I cant use my money because of this shitty service. Also support is terrible...
Oh... and i just wanted to pay my lunch in a restaurant (what is around 5 usd).
I confirm. I made more than 100 purchases with Xapo debit card in ~10 places and found that sometimes (~3%) tx gets status "Canceled" (by Xapo) even if there are sufficient funds in account.