1. You can always go settle your installment plan (partially or in full) and free up your available credit limit.
2. BSN and CIMB card any good? I guess you can answer yourself - for emergency cases, does it make any difference to you? Come to think of it, for emergency case, maybe better to get a non-Islamic card to ensure that your card will be accepted for any type of transactions anywhere on earth.
To All Newbies:

observe the above scenario, which is very common among us credit card users (including me) -

1. We all initially choose a card that can benefit us. In above example, the OCBC TMC was chosen because it offers 5% cash back for our expenses required for our daily survival, i.e. Petrol Dining, Groceries, Utilties Bills and Telco Bills.
2. But with free easy credit, we go buy stuff (that is not required for our daily survival) we otherwise would not with cash (as we will think twice before we go burn RM8K cash we are holding in our hands, example above massage chair).
3. 0% Installment Plan is not FREE money but a debt you need to repay.

Conclusion - most people with credit cards will end up spending more that those using cash to pay for stuff.

Once again, if you do not have savings and the cash to pay for stuff, DO NOT sign up for a credit card. And for those of you wanting to sign up for installment plan - click here and read my article 0% Installment Plan with Credit Card - It IS A Trap.