As long as you keep sufficient money in your debit card, then you don't have to worry. It will be same as credit card.

And debit card spending lagi terasa when you tengok your balance ditolak, compared to credit card kena tunggu bill.

What emergency? Debit card better for control since you know if you simply spend now, later tak cukup duit for other things/emergency. Credit card: spend now never mind, still can use for "emergency" later.

IMO, if credit card the term "emergency" will later become "omg sale 50% with limited stock! Need to buy now before habis!"

That one is not handled by the card agency, but the seller.

I'm not sure in Malaysia, but it's quite common in Europe. You will have to ask the seller if he is willing to do an installment plan of Rm500/month. If he agrees to, your card will be billed for RM500/month.

For example, I'm subscribed to some services with my debit card. Every 3 months, I get billed bout Rm100. And every month I get billed RM30.

Well, depends. If you have medical insurance, generally you will get a personal ID card that you can just pass to the hospital.

Even if you don't have the personal ID card, you can ask the hospital to just call the insurance company that you're subscribed too.

Personally, the hospital will treat all patients as they come in and not delay treating just to verify all the detail. Refusal of treatment by hospital, in emergency cases, is actually against the law. Most often they will start to treat that patient immediately while the other relatives/guardian go and sort out the paperwork (which isn't really a lot).

Point is, I'm not saying credit card is bad etc. I'm just pointing out that such "emergencies" of hospitalisation etc... doesn't really require the use of credit card as you would imagined them to be.