hi don't know it this is the right place if it is sorry.

How does the 12 month 0% interest repayment work if I want to buy a new phone.

Assuming phone cost 2.4k. so every month they will deduct 200 automatically from card for 12 months with no interest on the 2.4k?

So do I need to swipe 1st time 200 then I get the phone or do I have to fill up some form?
Is this how it works or will the be hidden charges somewhere?Couldn't find much info in the search option.


Tq

But will they add the 2.4k to the total credit sum?

lets say I owe bank now 4k limit is 10k so will it still add 2.4k to the total sum or just charge my card 200 every month?

Tq

eh but if my card total will be like 6.4k so I will pay 200 for the 2.4k and my usual 4k minimum 5% hutang right ? or will they total it up 6.4k minimum payment 5% and the 200 each month?

Well looks like i can't use this option anyway.My cc already like 10k limit is 12k no use lo lol.

Thank for info bro i so noob la lol