I agree with goggles,My Cardinal tetras never swam at the top of the tank. They do like the bottom region where they can swim around plants, rocks and decorations. If your tetra were hanging out at the surface I would think that its possible that a recent addition to your tank is disrupting their lifesyle, such as the catfish who also hang out at the bottom of the tank.
Also just to let you know that these little cardinal tetras when they die,they fade away very quickly, but the catfish and others would make a short lunch or midnight snack on them if left in the water. Im betting its those four inch catfish that cleaned the tank for you.
I love Cardinal tetras and feel bad for your loss..

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