macball... here's something frm a reliable source..

1. to avoid being charged interests on your installments, make sure the merchant (place whr u buy frm) is a merchant of the bank tat approved u ur credit card... most banks do allow installment pymts even if they r not their merchants BUT you'll be charged interest... how do u know if the place u r buyin for is a merchant? well, u can call them n ask... they'll know... otherwise, make the purchase, n then call ur bank to convert the purchase to installment...

but honestly, i think this installment thing only saves u on some chicken feed interest charges per mth... cause what will happen in the background is your credit limit, say it is 10k... you bought a mac thru Installment and tat mac cost u 8k@12mths... what this means is you will only be statemented RM667 per mth but u already know this rite?... wat u probably dont know is your 8k mac purhcase has already been earmarked into ur limit of 10k... which means,.. u only got 2k actual usage...

made sense?... happy nu yr dude..