Just needed to check with some gurus here.

For Maybank EZPay, say i swipe for RM2700++, and under a 24 months EPP 0% interest plan , which means roughly RM118 a month.

Would this RM2700 be recorded into my bank statement and become an outstanding amount? Or is the outstanding only considered RM118 a month for the next 24 months?

Reason im asking this is because im applying for a bank loan and the agent just told me that im good for the loan but barely just made it so within the next 1-2 months try not to use the credit card for more then RM1000 otherwise i might fail the loan as they are still processing.

The thing is, i just made a swipe for the EPP without knowing this.

Would anyone be able to enlighten me? I checked with the agent, he said it shouldn't be registered since they only look at outstanding amount.

Yup credit limit reduce is fine and understandable, but based on what the bank agent sees it, they only look at our outstanding payment for the credit card.

Since i am currently in a EPP plan, outstanding every month should be RM118 right and not considered as RM2700. The credit limit reduce basically just reduces the amount of total credit in the card?