I'd sincerely advise that if you don't have the money, don't go on debt using your credit card. Credit card debt/interest is up to 18% per annum.
Credit card should be treated like a cash equivalent. And thinking that credit card debt is manageable is not the way to go.

For Maybank 0% Ezy Pay, the amount you need to repay monthly is the purchase price divided by the duration (6, 12 or 24 months) you selected for the plan.

Example, you want to buy an item costing RM1800 and you go with 0% 12 month Ezy Pay scheme.

The the amount you need to pay is RM1800/12months = RM150 per month.

If you only pay RM100/month, then you would not have settled the Outstanding Balance in full and therefore you shall be imposed interest charges. Always settle Outstanding Balances as stated in your Monthly Statement prior to the Due Date to avoid any interest charges. Since you just got the card, you will get the statement soon and you will then understand what I meant by Outstanding Balance and Due Date.

Bro, it is not advisable to go with installement plan if you don't have any savings on hand. And if you go and purchase an item with installment plan when you don't have the money on hand, it simply means you are living beyond your means or as I put it, Pay Now Earn Later (i.e. you are in debt). Click here to read my article 0% Interest Rate Installment Plans with Credit Cards - It IS A Trap

If you want to learn more about credit cards please click here to my Credit Card Tutorial Page

To All:

Got no idea where to eat? Click here and check out my article Dining Promotions with My Credit Cards.