of course there are risks, but not as damaging as credit cards.

let assume that your credit card limit is rm20k, your debit left rm2k.

and one day, you lost both of your credit and debit card. the thief uses both of them till the limit, you lost 20k for the credit card, 2k for the debit card.
now tell me which has more critical damage to you in term of finance?

Regarding pre-auth, normally it should be 3 days right before I get back my pre-auth amount. It has been 3 days, yet still havent got it back =( 1st time using for petrol station thou >.<

It might take more than 3 days huh?

Greetings, I'm one of the Public Bank Visa Electron card holder, the question I'm going to ask is how do we pay the annual fees? Go directly to their nearest branch, pay on the internet or they simply deduct cash in our account? Any clue? Thanks.