for me, biggest offender: UOB!

nothing weird, just a different mechanism (and possibly a trap on due date if you cannot repay full balance).

yes, you can continue to manually spread evenly every month cuz it will always be > min 5%/RM50 required.

each type has its pros & cons

This post has been edited by cybpsych: Oct 13 2025, 06:01 PM

if managed properly, it can help your cashflow for few months before hitting the balance lumpsum at the end (once you got $$ to repay in full).

until Mar 2026