actually that iphone is about rm2k je. so is about same, but interest free installment

depends where u buy it, if you go to apple store, sure telco cheaper. because apple store the price is follow the general pricing. If you buy from shopee with vouchers, then maybe shopee cheaper.

if use credit card for the installment, ur credit limit with be stuck. like example the phone 4000, ur limit will be reduced by 4000 until you clear the installments.