Last year I applied Amanah Plat just to get 0% cash installment but I haven't been spending a single cent with this card and have no intention to keep it. I intend to pay both 11th and 12th installment together and cancel my card. I think this is OK? I lazy want to wait till 12th month and see AF is charged to my card, so I need to call to waive AF and whatnot.

I will continue to keep the VS as it is more beneficial to me.