1) Every transaction will be charged full amount , regardless you're using Merchant EPP or by call EPP. The instalment between you and bank is the one when you purchase something and you request later from the bank that you want instalment for how many months ( normally they will have 3% to 5% handling fee ). Merchant EPP will be the one you do it on the spot with the store , normally the slip you sign will written clearly how many months you want to do instalment, and 0% .

2) you wont get any record in CCRIS.

3) No , you wont be charged any interest. Interest charged only if you late payment or you have outstanding balance brought forward.

Thanks a lot broo !!

That clear me up a lot !

Now i know that each transaction will charge full amount, and its between me and bank.

But I did not sign any slip on how many months & interest % with the merchant.
I called up bank and told inform them im doing installment ... and they told me only 10 mth and 20 mth ..
I only sign up application form with the merchant without anythin mention about payment

Fyi, this is fitness first personal training lol

Last week i apply DA, they told me must had cert! but due to some problem i said i unable pass the cert 1st. so i give them my payslip and offer letter..

I scare DA fail so i apply petronas mastercard too....

The next tuesday they call me said my card is pass and on the way to me ~(I been told the card arrive my home on thurday but no one at home so it pass back to pos office， i call them they said will resend to my company this week)

On the same friday, they call me again said my petronas mastercard also approve~ @@ i direct said dont want ady...

So i think if u provide enought thing to CIMB the cert really doesn't concern.

Somemore they process really fast !! thumbs up for CIMB this time!!

For MBB i also apply, later i wanna call them said don need process le.. 2 week plus no even call me,  need me call them n said in progessing , due slow. somemore my salary is direct go MBB why need so many document.. really dissapointed with MBB.

BTW, Hong Leong, UOB, n Standard Charted all had call me in one week time. HL i get ady, UOB on the way too. SC still in progress but i wanna cancel HL n SC liao~

Bro ... is this your first card when u apply ?

Did you submit any education document for DA application ? I can provide my income and offer letter etc, so I wonder can my card approve w/o cert ?

So lucky u apply many card and all got approve ... i scare conflict that why scare apply many
Btw, i just change job to new company with better salary .... i hope can apply faster no need wait 3 month payslip
My current existing card is cimb only 1 month old

Amex got 3 type :

1. Amex Charge Card
2. Amex Platinum Credit Card 
3. Amex Credit Card with Maybank Logo.

The lowest requirement i think is Amex Classic With Maybank logo. Same as normal classic credit card requirement (18k).
The Amex Charge Card ( Green Card ) requirement is 24k per annum.
Approval rate is vary and depend on bank la. Same as CC application also like most forummers mention before etc good paymaster , clean record, and if you pay 21k for your income tax, most probably your approval rate is 80% above. Haha.