Just needed to check with some gurus here.

For Maybank EZPay, say i swipe for RM2700++, and under a 24 months EPP 0% interest plan , which means roughly RM118 a month.

Would this RM2700 be recorded into my bank statement and become an outstanding amount? Or is the outstanding only considered RM118 a month for the next 24 months?

Reason im asking this is because im applying for a bank loan and the agent just told me that im good for the loan but barely just made it so within the next 1-2 months try not to use the credit card for more then RM1000 otherwise i might fail the loan as they are still processing.

The thing is, i just made a swipe for the EPP without knowing this.

Would anyone be able to enlighten me? I checked with the agent, he said it shouldn't be registered since they only look at outstanding amount.