depends on what cc. usually 1.5% per month on the outstanding balance.

Cimb credit cards. they got no installments plan   so which means if i spend 4k i split it to 6 months = 666.66 + 1.25% so monthly payment is 674.99 ? Sorry abit new to this

no, your rm4k +1.5% = rm4,060 to be paid by next month.
if you did not pay any amount, next month will be rm4,060 +1.5% = rm4,120.90 to be paid by next month.
and if you pay rm2k before next month, rm4,120.90 - rm2k = rm2,120.90 +1.5% = rm2,152.71 to be paid by next month.

the monthly amount is not fixed, depending on your outstanding balance. the more you pay, the lesser the interest by the next month.

otherwise, you may call to ask whether they have any balance conversion plan like other banks in which you may convert your current outstanding to installments. usually balance conversion plan will just charge an upfront fee of around 3% to your balance conversion amount and then divided into around 6-12months.

let's say your rm4k + 3% = rm4,120 divided by 6 months = rm686.66 monthly (fixed)

no, your rm4k +1.5% = rm4,060 to be paid by next month.
if you did not pay any amount, next month will be rm4,060 +1.5% = rm4,120.90 to be paid by next month.
and if you pay rm2k before next month, rm4,120.90 - rm2k = rm2,120.90 +1.5% = rm2,152.71 to be paid by next month.

the monthly amount is not fixed, depending on your outstanding balance. the more you pay, the lesser the interest by the next month.

otherwise, you may call to ask whether they have any balance conversion plan like other banks in which you may convert your current outstanding to installments. usually balance conversion plan will just charge an upfront fee of around 3% to your balance conversion amount and then divided into around 6-12months.

let's say your rm4k + 3% = rm4,120 divided by 6 months = rm686.66 monthly (fixed)