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.

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.

[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 !