Guys, i am about to buy a new SONY VAIO CW26 series laptop and i have a question about the 0% installment scheme offered by some banks. The computer shop i went to told me that they do not impose any additional charges for payment by credit card. I was also told that if i have credit card from either Maybank, HSBC or Public Bank, i am entitled for the 0% installment scheme.

The laptop i plan to buy is priced at RM3,999 and if divided by 12-month (interest free), it means i'll have to pay RM333.25/month. But how come the SONY magazine and even Best Denki quoted that i'll have to pay RM334/month instead ? If i have to pay RM334/month as advertised in SONY magazine and Best Denki's flyer, the total sum is RM4,008 instead of RM3,999, which is RM9 more. How can that be called 0% interest then ?