Do you know how to calculate the credit limit of a credit card for a particular month?

I have these two Maybankard 2 credit cards.

Do you know how to count the credit limit?

Maybe just I didn't know...

For your reference in case you also do not know this :-)

e.g. the combined credit limit for two cards is RM 10,000.

The credit limit will be reduced if you have installment plans in either cards.

For example, you have a 12-months installment plan for Senheng product RM 1,200 and a 24-months installment plan for beauty product RM 2,400 on June 2013.

Your credit limit will be reduced to RM 6,400 for June 2013.

Next month July 2013, the credit limit will be RM 6,600.

After 12 months June 2014, your credit limit will become RM 8,800.

After 24 months June 2015, your credit limit will eventually return to RM 10,000.

Thus, plan before you buy something through installment.

If you bought something that cost RM 9,000, your credit limit will become RM 1,000 only for the coming month.