hi, I am trying to get my finances back in order and want to clear off the credit rolling. Based on the terms and condition below, if I do early settlement, I will be penalized.

So what if I overpay my credit card, and the mthly installment auto-debit from the overpaid balances, will it be considered early settlement? (This is the PBB BT 0% but I had paid the upfront fee)


Early Settlement Penalty of RM100 will be charged if the Cardmember terminates or discontinues
the programme by making full payment for the Approved Balance or such outstanding thereof
prior to the expiry date of the credit scheme duration (PB Credit Cards only).

i have the issue of if there is money lying in saving it might be spent off and then realizing not enough to settle off monthly repayment later.

Yes most of them are 0% interest but they all have upfront interest which the interest has already been paid.