Hi,

I would like to apply for CC (my first time) and I don't know which one is the best.

Purpose :
- Make purchases for items such as kitchen appliences, electronic items/ device where each items are around 3k to make payments to be converted into installemnt around 6 month - 2 years max (is it possible?).
- will make purchase only once / twice a year unless got emergency.

Then I saw this : http://www.citibank.com.my/english/existin...members-epp.htm

1. Is it okay to apply for choice credit card (Citibank) and proceed with the easy pay method? Im interested on it because they mentioned that 0% on installment for selected vendors up to 2 years. If no, suggest me any.

2. What other costs / precautions i need to know when applying CC to avoid being cheated / fraud?

3. As for self-employed, how long will it takes to process the card?

4. If purchases has been made, the installment will have to be paid to the credit card according to the date of purchase isn't?

5. Is it possible to make early settlement?

6. About the GST, do I need to make payment upon application or upon approval or upon the first purchase?

Sorry for the noob question. It's my first time tho.

This post has been edited by jzack: Nov 6 2013, 01:13 PM

Thanks for the reply. And yes the merchant is on the list. Do you have any CC product that you would suggest?