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        <title>Lowyat.NET: Latest topics by Lord Cypher</title>
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        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Wed, 24 Jun 2026 00:48:35 +0800</lastBuildDate>
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            <title>Advice on zero interest credit card payment</title>
            <link>http://forum.lowyat.net/topic/3423505</link>
            <description>Recently, I lost my phone and I had to quickly get a smartphone for work purposes especially. I bought an OPPO phone from AEON through public bank zero interest instalment plan. The phone is around RM1k. You see, even though the 12 months payment by instalment is about rm80 something, but before I can use the credit card, I have been told that I must have at least available RM1k in my credit card (or in other words, you have not reach your credit card limit that you can still be charged for rm1k). So I bought the phone and my recipe lists the total price and mentioned about 12 month instalment. &lt;br /&gt;&lt;br /&gt;The problem now is I could not use my credit card as I assume that for now I have reached the credit card limit thanks to authorised charge in it that still contains the full amount of smartphone price. Also, the monthly payment for the first month have not even come out yet. Is this normal? I need an advice and if the credit card still got charged for full amount, I might as well as buy the thing in full amount straight away.&lt;br /&gt;&lt;br /&gt;Cheers&amp;#33;</description>
            <author>Lord Cypher</author>
            <category>Serious Kopitiam</category>
            <pubDate>Thu, 27 Nov 2014 09:57:37 +0800</pubDate>
        </item>
        <item>
            <title>Need cab/taxi in Desa Park City</title>
            <link>http://forum.lowyat.net/topic/3400072</link>
            <description>Due to too many people using myteksi and uber in early morning, I have no choice but to ask if anyone know any other cab drivers that willing to transport ppl from desa park city to kelana jaya/aman suria in morning. Cheers&amp;#33;</description>
            <author>Lord Cypher</author>
            <category>Serious Kopitiam</category>
            <pubDate>Wed, 05 Nov 2014 10:54:28 +0800</pubDate>
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            <title>saman survivor</title>
            <link>http://forum.lowyat.net/topic/3377185</link>
            <description>Anyone still survive without paying summons in renewing road tax and driver license despite accumulating long scrolls of summons?</description>
            <author>Lord Cypher</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Mon, 13 Oct 2014 14:13:27 +0800</pubDate>
        </item>
        <item>
            <title>[WTB] tupperware eco bottle pure white (750 ml)</title>
            <link>http://forum.lowyat.net/topic/3342755</link>
            <description>If anyone have Tupperware Eco Bottle 750ml pure white colour and not transparent, please PM me and I will buy from you today [COD][KL,PJ]. Cheers&amp;#33;</description>
            <author>Lord Cypher</author>
            <category>Garage Sales Archive</category>
            <pubDate>Mon, 08 Sep 2014 09:41:25 +0800</pubDate>
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