For the merchant, normally the EPP used is block-off entire amount, and release based on monthly payment, as mentioned in earlier post.

e.g. 5k, next month pay 417, means available CL is 417. 4583 is still blocked-off.

Note that there is another type of EPP by merchant (not banks), which is also mentioned above. The merchant will prepare some forms for you to sign. Instead of block-off the entire sum in your CC, the merchant will claim the amount every month.

e.g. 6k CL, purchase 6k with 6 mthly payment x 1k.

Jan : CL 6k - 1k = bal 5k CL
TS pay RM1k
Feb : back to CL 6k - 1k = bal 5k CL
TS pay RM500
Mar : CL only 5.5k - 1k = bal 4.5k CL
...
...

The latter type is normally applicable for huge amount purchase, normally 5-6 digits.