fennie,
actually i never use debit credit before le.. from what the Marcus told me, it's like Citibank will "lend" us certain amount, when we wanna withdraw from the account, we can just write a cheque or from ATM.. then we need to pay back, if not will charge interests. So, he said when i'm going to pay the payment in MAH, remember to bring the cheque book with me, is easier, he said.
hmm.. is after medisave deduction if i'm not wrong. I am trying to contact him too cos i haven't receive my family card yet. Mayb you can check with him for more details.
when is your EDD?