http://forum.lowyat.net/ Sat, 04 Jul 2026 19:01:54 +0800 FeedCreator 1.7.2 http://forum.lowyat.net/topic/2459443 Hi all, <br /><br />I was thinking of making a purchase with EPP with HSBC card (Just got it, havent use it yet)~ <br /><br />Look through the forum, can&#39;t get the answers i was looking for. <br /><br />hopefully someone can help me out in here. =)<br /><br />Credit limit RM4k. <br /><br />1) let&#39;s say, i make a purchase of about RM4k, for 12 months with 0% interest as i was told by the merchant and the HSBC CS. <br />so is about RM334 a month. <br /><br />a) my credit limit for that month will be RM 0 right? so by the next month, my credit limit available is RM334? or RM4k?<br /><br />b) i saw some forum post stated that if pay in advance, let say i pay like RM350 a month, there&#39;s penalty? (i might be able to settle the amount within 9 months or so, since i need the credit limit for other purchases. <br /><br />c) EPP transaction consider as swipe per month? since HSBC stated that if i swipe 12 times a year, they will waive the annual fees. <br /><br />please help .. <br /><br />Thanks in advance.=) Pearly90 Credit Cards, Debit Cards, Prepaid Cards and Loyalty Cards Tue, 07 Aug 2012 00:02:52 +0800