QUOTE(macball @ Dec 29 2006, 03:43 PM)
Yes, I am using Citibank. And call them at the spot of buying, before purchasing or after purchasing ? Plz gimme some guides. Thanx.
And will it be 0% , 12 month installment plan?
erm. do it this way
1. find out price of the item
2. call Citibank and ask them whether it is possible for Citibank to arrange that the payment for this item be done via installment
3. once they say ok, you go buy the goods.
4. after that, call them again and tell them about this purchase that you would like to enable installment.

doesn't make sense to call them just before purchase, you'll waste time if you can't get installment. doesn't make sense to call them after purchase either, if cannot installment then gone are your plans and $$$.
so yeah, do like what i say. check out whether the option is there for you first, that's most important.
as for the interest rates on installment plans, you have to check with them.