Smart move
Since it's zero interest
Why not? No harm.

SSHHhhhh... jangan tanya soalan susah

2.8k for 6 months 0% installment

After few days 466.66 will appear in your statement when you check online. So this coming statement you only pay 466.66 instead of 2.8k. And so on for the next few months until settle.

This post has been edited by la bella: May 26 2023, 11:56 AM

it will count as "extra" payment.

based on this installment plan by merchant,

if next month (june) statement just installment and no other spend, and u pay full 2.8k, then, the bank will still take 466.67 as payment, and 2333.33 will be carry fwd to july.

for july statement, if u got spend, total example 2k, statement should be 2466.67
but it will deduct the carry fwd 2333.33 so the statement will be just 133.34
next statement after that, 466.67 will be charge again as usual (plus ur other spending, if got)



This post has been edited by erry-: May 26 2023, 11:59 AM

dont say like that lor.. all of us rich in its own way.. not money only

so better stick to the installment plan then....

I always make use of 0% installment. I try to coincide with warranty period so that I know my warranty ends when installment ends.

yupz. its 0% some more

0%instalment plan is debt trap, missed one payment and they charge u super high interest due to default.

Works on poorfag, good money for cc.

Warranty period usually > 1 year. Got bank offer 0% Installment plan longer than that?

Tered can close liao since answered by almost all the posts

I am unsure MY. But in SG, we can stretch to 3 or 5 years based on card type

yes, HSBC for example lol, the transaction size has to be >2k to be eligible for 2 or 3 years of instalment period.

Don't look back , it's FREE TV

u must understand cashflow

besides, 0% interest wei

If there are full payment VS 0% installment, go for 0% if there is such choice.

I c I c. Maybe I only use pipit card la lol usually see 0% instalment plan up to 12 months only. Sometimes I saw 24 months but macam not 0%.

FYI, some bank got payment fee for long installment in senheng.

Eg, 50 ringgit 1 time payment for 12 months, 24 months for 100 ringgit.

I like senheng because got 5 years warranty.

Usually shopee will have cheaper price

Since i got time to burn.

TS, if anyone has not mention this to you, for your consideration.

For instalment plan (IP) and BT, its best to use a bank CC card with 0 statement balance before embarking to such plan.

Preferably, also not use the said card for spending while you are on such plan. If you need to use, MUST pay in FULL before statement due date and never a partof or minimum payment for the said card. If you pay part payment, you may not be paying on that month IP/BT payable.
Look out for the default reversal clause of your IP & BT.

Many ppl had it reset, reversed not knowing.

With this you will have a clean accounting and easy monitoring of your IP and BT repayments.

To be safe, you use that one card for IP/BT plan and not mix with spendings.

This post has been edited by jojolicia: May 26 2023, 04:31 PM