Hello Everybody, i'm desperate seeking for help.
I feel very confuse that I probably get cheated by HSBC.
I'm not sure i'm posting at the correct thread and apologize if i didn't.

My scenario
I swipe my HSBC AMANAH Visa card on Feb-16 for amt RM5k when I fail to apply personnal loan as all bank rejected me. This is my 1st credit card.
I swipe cash via my fren(mechant) who is kind enough to cash back (after take a certain%). I'm sure everyone know this trick for business turnover.
I call the CS up and request them to convert it into 12 mths 0% installment plan.
Payment method via auto debit from HSBC Saving account.
So, been paying 416.66 (12mths).

From time to time, i check the billing seems legit.
I feel something wrong with the amt during Oct-15, (seems the amt keep increase) and i seek my fren advice. He said it seems some sort of admin fee and i believe him as is small amt.

After that I went to SG to work, I only went back to hometown on Mar-16.
After open CC statement, I found out that I own HSBC another RM3.7K+.

I call the customer service up and check. He told me that my installment plan was fully paid on Feb-16. However, I only pay the minimal amount. The RM3k is the interest charges and stuff.

I was so depress and confuse right now. I desperate seeking advice what is my available option at this moment.

I thank in advance if anyone could advise me what to do.