SenQ will repair or they send to manufacturer and bear the cost of repair? What's the difference between SenQ and Sen Heng?

Is it worth buying phones from SenQ? Interest-free 36-month instalments (whether you use the phone for 36 months or not is another matter). Let's take SGS2 for example. RRP RM2099, RM58.31 x 36 months, 3 years warranty. Paying 2k one shot for a phone is quite a pain, but you won't even feel RM58 a month. Some questions:

1) does the credit card credit limit get 'locked' with RM2099 and reduce accordingly as payments are made?
2) now got PWP promotion: 16GB microSD worth RM85 selling at RM49. I've looked in Garage Sales, 16GB class 4 cards are going for at least RM100. Is SenQ undervaluing their own gifts? What's the catch?

Hope someone here can shed some light.

http://www.senheng.com.my/senq/20110801/SQ_samsung.html

Bro, I think your insurance company will pay you based on the car market price, the minimum insured is RM10k but they will never pay you based on the 10k. You're buying 10k insurance for a 2k coverage, which cannot be helped since the minimum is 10k.

This post has been edited by Dannyl: Aug 18 2011, 09:05 AM

So. Buy SGS2 now. After 2 years, 'accidentally' drop it and have it run over by a lorry. Claim.

Good?