Yesterday, i went to ATM to check the balance in my PB visa Electron Debit Card. i still have RM266 in my debit card and authorized charges of Rm188. i tried to transfer rm200 into other account but failed and it seemed like if i exceed the limit of the charges, i can't transfer my money. Anyone can clarify more about the authorized charges? is it the same as the annual fees? can i get my money back if i cancel my debit card? thank you.