Me wanted to check if anyone applied for any credit facilities using my name  Make it a pratice to print it out once a year.

Saw that my EON Signature CC application pending but was shocked to see CL only RM15K! Then afternoon EON Bank telemarketer called me to asked if I want to do BT and told me my card approved. Anyway was to busy then to talk to him. Just called EON CS and was told card only approved yesterday (applied on 23rd Nov) and CL 6 figures.
I bit blur what you trying to say. Correct me if I am wrong.

1) You want to do flexi pay for RM7K (i.e. installement plan) but your CL is RM4K. If this is the case then you cannot apply for the installement plan because your CL is less. In the first place, you cannot even purchase the RM7K stuff with the credit card snce it is limited to RM4K.

Today I applied for MBB MC Plat by phone only. No need to fill in any forms. Save the hassle to go to branch to fill in application or even fax them the application.

Read more at my blog at creditcardsmalaysia.blogspot
Ok, now I get it. You can make separate payment using both cards, e.g 1 card RM3.8K and the other RM3.2K. As for flexi payment, what card you using, if CIMB/Direct Access/Public Bank they will charge you upfront 1% and then equal installemnts. I think Alliance also upfront by not 0% and then equal installements.

What cards you have then I can go check the T&C.

I went to PBB website and cannot find any installement plan (offer expired?) and for Alliance noted only for Balance Transfer.

But just to let you know, Alliance 6% interest for Balance Transfer is charged upfront. For example, if do BT RM3000 for 2 years, they will charged you RM3000 x 6% x 2 years = RM360 upfront. So in reality the interest not really 6% for installement plan more than a year.

Click below for Alliance BT plan:

http://www.alliancebank.com.my/ccard_balan...ore.html#BTFIXP

Before you go buy the RM7K stuff better you check if both cards got installement plan or else you will end up paying really high interest. But my recommendation is not to buy it since you cannot afford it and not fall into the trap of installement plans and end up cannot affort to pay monthly.

did PBB mentioned the interest how much? You can use the cards but if no flexi plan then you'll end up paying high interest. Seriously, just save money for next 1 year and maybe by that time you want something else.

Mind telling me what you buying? Maybe the merchant offer 0% interest free. Example Dell - 0% for Citibank and Maybank, HP - HLB and many other cards, Harvey Norman - almost all cards, Coach - OCBC, etc.

What are the 3 cards are you currently holding ?
You are putting a huge strain on your financial position. How about this ? Putting your plan on hold first and buy it a year later ? The DSLR is not going anywhere.
CIMB Bank MasterCard.
Only if that particular shop if you going to buy the DSLR from is offering 0% IPP and your credit card is on the 0% IPP supported list.

By the way, you'll have to pay RM333.34/month instead of RM333.33/month, assume you can get the 0% IPP for 12-month.

Anyway, you just graduate and you do not even own your first credit card yet. Do you really think it is worth it to buy a RM4,000 DLSR ? I know owning a DSLR is like the latest fashion trend now but seriously, i don't think it is wise to buy it if you can't really afford it now. Just my RM0.02.

yes of coz u can ask question about credit card here 

is Axxxxxxx u mean is Alliance? if yes, then their FPP (Flexible Payment Plan) are:

1. previously: got 1 time upfront charges of 6% for 12months, or 12% for 24months.
2. promo after that: got 1 time upfront charges of 2.5% for 6 months, or 5% for 12 months.
3. LATEST PROMO TILL 31/12/2010: NO UPFRONT CHARGES AT ALL for 6 & 12 months!

here - http://www.alliancebank.com.my/catalog/pri...gue.aspx?cat=58

so if u purchase 3.5k for 2 cards and call alliance to convert to FPP before 31/12, each card need to pay only rm291.67 per month, for 12months.