hi. i got some confusion <or noob>..its like this

Let’s say I wanted to buy a laptop for RM2000 and the store offers 0% interest installment plans with 36 months to pay. If I had a RM5000 limit that is used until RM 4500, and I buy the item, how will my credit card be charged?:

a.) upon buying the item and
b.) every month provided I get the 36 months installment plan?

or i have to have at least RM2000 unused in the card to make the swipe?

THANKS A LOT~

i see. so its not like they will charge me RM56 (not including interest) every month until 36 month?