Asking for clarification from some gurus here.

Let's say my credit limit is 6000. My credit usage is 4000. So i have 2000 as balance.

Things is, is it possible if i want to purchase rm3000 notebook using EzyPay? Im not very clear on this. Will the rm3000 or rm500/month recorded to my outstanding.

Thanks in advance.

RM 3000 would be as outstanding , when you check CCRIS. But monthly you would be paying RM 500 , and in your bill it would show RM 500

So assume you have 6000 , you bought a notebook , your effective credit limit would be RM 3000 , obviously month by month , when you pay it would free up

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This post has been edited by T231H: Jul 3 2016, 08:43 PM

Thanks for the reply. Btw, just to make it clearer.

My limit 6000. Outstanding 4000. If i swipe epp 3000, outstnding will be 7000 which is more than my credit limit. Is there any chance the bank will not approved?

Really need a new pc since my laptop broke edy.

Your EPP will be not approved because you don't have enough limit given your case of CL = 3000 and current outstanding is RM 4000 (without any payment made).

EPP will block/reserve the full amount from your CL; meaning for the case your EPP amount that you're planning to swipe is RM 3000.

The best is for you to clear the outstanding till you have enough buffer for the EPP. Normally transaction might be failed if you have utilized 90% to 95% of your CL.

[quote=David83,Jul 3 2016, 08:56 PM]
Your EPP will be not approved because you don't have enough limit given your case of CL = 3000 and current outstanding is RM 4000 (without any payment made).

EPP will block/reserve the full amount from your CL; meaning for the case your EPP amount that you're planning to swipe is RM 3000.

The best is for you to clear the outstanding till you have enough buffer for the EPP. Normally transaction might be failed if you have utilized 90% to 95% of your CL.


Isee. I'll clear some of the outstanding then. Thanks much !

Hi i'm new to this cc thingy. For example, if i wanted to buy a new iphone from Machines.
1. Do they provide ezypay?
2. If the phone is 3k, i'll be paying the installment for the exact amount in the course of 12/24 months or more than 3k?

Need some clarification from the gurus .

I want to know how to make early settlement for my easy CASH with maybank credit card

Ezypay and Ezypay plus any difference?

was it really 0% interest p.a.?

read it in T&C it says there's a 9% pa / 0.75% pm

machine do provide ezy pay. with 4% admin charge.
so 1.04*3000 = 3120

total will be 3120/12 months = rm260 every month.

let say your credit limit is 4000, immediately bank 4000-3120 = 880 (this is your balance)

if you pay rm260 without late, immediately rm880+260 increasing every month.

i have my questions too. what if i decided to pay full amount of my ezy payment.
let say i supposed to pay rm200 every month for 12 months. but then i pay rm2400 (total of my usage)
what will happen?

Recently there a promotion for Ezy Pay Plus which only charges 3% when you convert it via online/phone after the purchase.
You can call and check if the promotion is still ongoing.

Just activate my card today and try to buy some thing from 11street using Maybank ezypay. However when I tried to make payment, it keep saying Payment Unsuccessful. Any idea why?

Call CS. most likely you missed a step in activating something because it's a new card

can I use my ATM debit card to buy online using 0% Maybank Installment?

It's only applicable for Credit Cards, not debit cards.

anyone help me, if i purchase 5K RM goods and how much will be maybank ezypay monthly installments? assuming 24 months?

Hi guys, is there any "hidden charges" of so called 0 interest ezypayment that I made at 11street merchant?

if u buy from merchant with EPP its 0% (no additional fee)

but if you call ur bank and covert to EPP there is fee charges ~3%?