guys, i need some enlightenment here.. just got some confuse huhu
actly im currently using CIMB CC.. my credit limit was just increased to RM30k from RM12k..
i already used my CC about 11k n available credit was just around RM18-19k sumthing..
now i plan to purchase a kitchen cabinet worth RM24k n the shop offered me to pay via easy payment with 0% interest for 36month which costs around RM600-700 sumthing i need to pay monthly..
so my question is, am i still eligible to pay via EPP/EPS as my available balance is just about 18-19k while the purchase price is 24k?
must i clear some amount to make my available balance up to 24k to make me eligible to purchase it?
FYI, im now moving to my new house. dats Y im quite using my CC extensively as my cash is not so enough.. huhu

ouh, really? huhu so, it does mean also that i cant use my CC anymore untill i settle the EPP?
let say my available balance is 24k after i paid 7k to make me eligible to purchase it.
so i swipe 24k with the shop to purchase the item with RM700 monthly instalment. so my available balance is zero la rite?
so, next month after i paid RM700+5% minimum payment for monthly usage of CC (lets say about 300), so my available balance is 1000 la? n its continue every month until i settle the EPP?

r u sure bro? i just spoke to the salesperson just now..
she said that their easypaymnt scheme will not affect the available balance. for example, the purchase price is rm24k. so if my availble blnce now is 19k, i still can purchase it. they'll swipe 24k, then it'll split to 36month instalmnt which is about 670 per month.
so in my next month statmnt, my availble balance, will only deduct 670, not 24k..
the EPP whch block entire amount of CL we have is not applicable to the huge amount of purchase item. it might applicable to thing like handphone etc
so, there are two type of EPP la

so sorry to 'otai's here. not meant to not to trust in you all.. huhu
actually i just back from the shop n have done successfully the purchase of kitchen cabinet.
to be exact, my credit limit is RM30k n my available balance is just about RM19450.05. n i purchased the kitchen cabinet worth 23940 with 0 interest in 36 months. so monthly instalment just RM665.
after checking my balance with the bank just now, my available balance was just decrease to RM18785.05 which means it already deduct this month's instalment.
n again, the salesperson told me that it was a deal with the company n the bank
so, just to share this with all forumers here la n im not against any other sifus :-)

ya, maybe this is what the shop n the bank dealt..
i was also informed that the only thing the shop wanna me do is to increase my CL to be higher than the purchase price regardless how much available balance i have =]

yups, agree with u..
but also maybe they think that the thing they sell is sumthing impossible to be stolen or brought to anyway. they easily can find n get back their ware if anything happen to purchasers rite. hehe