I had already told you last time, most of the car dealers would impose a surcharge if you wanna pay the down payment via cc. It's not worthwhile to pay the 3% surcharge, unless your have cash rebate cc which could give you more than 3% rebate.

Recently I also made a big purchase of 40k via cc. The best thing was that the merchant did not impose any surcharge, and I gained a whopping 40k points and some cash rebates from the purchase. However, Amex was not accepted by the merchant.
I guess most of the merchants in Lowyat Plaza do impose a surcharge for purchases made via cc. I had to buy a new handphone by cash a few months back, as the retailer wanted to charge me another 3% extra fee.
It was a car, and thus 2x MR only. 

ok. noted.

during application, the bank staff never mentioned this to me.

hmmm, if they charge me, i can blame the bank staff.