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.

For MBB statement, it only states credit limit and not available credit. For OCBC they do state Credit Limit and Available credit.

Credit Limit=Available Credit + Credit Used

i think eazy payment scheme is special case.. as long you have credit card with maybank, you can apply for eazy payment and it depends on ur credit limit as well.

So lets say :

CL - RM5000
Item - RM5000 / 12 = RM416.66 (each month)

CL Balance = RM4583.34
You credit limit will remain RM4583.34 until you finish paying for 12 months but well you can request to pay all lump sum (if needed). So now if you want to do another eazy payment scheme it will depends on your RM4583.34 credit limit.

if im not mistaken correct me if im wrong

i have no link for reference, but it makes sense tho. Unless u paid full amount with credit card and u want to pay them installment, call cs asked for split the amount. This is diff case, i guess epp is special case.