Hi, I have a few question regarding credit card. Currently I have 2 CC, Maybank Petronas and Aeon Classic.

1) I'm curious about the interest fees. How to calculate the 17.5% p.a. interest? Example if I have a overdue of RM1000, for that month how much interest I have to pay? RM175 or Rm175 divide by 12?

2) For both CC I have, the 0% easy payment plan is really a 0% interest or there are some hidden fees like processing fee? Example, if I bought an item with RM2400 price tag, from my understanding, after RM200 monthly, at the end of the year the total cost still RM2400 right?

Thank you.