I need your help.
Recently I used my credit card to get a 2-years 0% loan for a new phone, which is RM4999 split into RM208.29 per month (1st month RM208.33 for round-off).
The credit card limit is RM5000.
Today I got an SMS from CIMB Bank that says “you have up to 10% credit card limit as of 22MAR…”. I only topped up RM250 yesterday so now the available limit is RM251.
Do I need to top up until my available limit hits exactly 10% at RM500 to avoid credit card interest or its fine to keep as-is?
Personally I think RM251 is fine, but I am also afraid that I am wrong and there would be extra charges.
Thank you in advance.