Right, I cannot vouch for seachem test kit, not one I know of very well at all. Am assuming this is a strip kit you dip into water and instant results?
I tend to view these kind of test kits as unreliable, but thats not to say the Seachem ones are like. I'd be intersted to hear if anyone has used these kits and whether its accurate or not.
Anyway, having ammonia present in tank water all the time is not good. Ammonia at any level will have an effect on your stocking in on way or another.
This ammonmia reading coud be down to the actual test kit itself, showing false readings of ammonia, also it could be your tank not cycled 100% (you do not mention if you've cycled this tank or how long you have this tank running for) but I doubt this IF you have had this tank for quite some time with livestocking or lastly possibly you have ammonia in your tap water, but this ammonia when added to the tank would be eradicated in 24 hours or less if your tank is cycled.
Cardinal Tetras are not the hardiest of fish to have around so this is another possible reason. Cardinals need good established tanks with steady water parameters. They do not tend to do very well in newly set up tanks with flucuating water parameters and they require a tank of at least 2 feet long.
Cardinal Tetra
So at this time, its hard to determine what likely causes could be that caused the demise of your cardinals without further information, it would also help if you could also provide the water hardness as well, gH, kH and pH (you can get these off your local water authority website under water quaility and hardness levels).