if memory served correctly, you will be charge roughly 2% interest of the outstanding amount.

eg: In month A, total amount is rm3k, you pay rm1.5k then o/s is another rm1.5k.

So in month B, bill is rm1.5k + (any additional expense you use) + (total amount*2%)

And if you pay the minimum charge every month, your credit rating wont be affected. in fact if you pay full amount every month, you are using the bank credit facility for "free" since they don't get any interest from you.

This post has been edited by min402: Jul 18 2012, 03:44 PM