Hi all, here is some question regarding new BNM ruling?

1) If a person pay minimum payment promptly for 12 months, will he be charged 17% pa for all new transaction (no 20days free interest)?

2) If a person pay everything that he spend for 11 months, only 1 month pay minimum payment, will he be affected with new ruling as above?

Thanks a lot for all the CC sifu. Kinda confuse with the new BNM ruling.