Debit Card: Put $$ in first, then you swipe the amount deposited.
Credit Card: Use the $$ first, pay later


Cash Advance issue:-

1)Public Bank Debit Card
Example: Bank in RM5,000. Swipe RM4,000. Balance RM1,000.

Then you wish to take back RM1,000 for normal daily cash usage.
Go to Public Bank ATM withdrawal RM1,000.
Amount deducted= RM1,000.


2)Citibank Credit Card
Example: Bank in RM5,000. Swipe RM4,000. Balance RM1,000.

Then you wish to take back RM1,000 for normal daily cash usage.
Go to Citibank ATM withdrawal RM1,000.
Amount deducted= RM1,000 + RM50(5% charge)
= RM1,050


My question is... WHY?!?!??! RM1,000 is my $$$$ in there!