Hello! I’m not sure whether this is a good place to ask, but I’m a foreigner(22M) working in Singapore while attending a part-time degree in NTU! Since the tuition fees per semester are kinda crazy (around 12k per sem), I’m looking to apply for a credit card to pay my tuition fees in installment plans, preferably 6 months. I’ve been doing this for a year now using my cousin’s card, but i kinda feel paiseh to ask him to do that for the next 3 years!

So, I head over to OCBC bank to ask more about credit cards, since they stated that they allow payments to be split across 6 months with 0% instalments fees with OCBC Cashflo credit card. One of the staffs working there told me that the number of months I can split my payments depends on the educational institution and that I still will be able to split my tuition fees into installment plans even with other credit cards.

This kinda confuses me as I’m new to this… Since he stated that I am able to split my tuition fees with other credit cards, does it mean that I can apply for other credit cards like Citibank Rewards Credit Card and pay my school fees in installments? I emailed the school about whether they allow me to split my payments, but they say that they only accept full payment…. So, I’m getting more confused about this.

I did google around to learn more about credit cards, but I get more confused the more I search about it. Any help would be appreciated!

EDIT: I do understand credit balance and things like that. But, I just want to make sure that I can split my bills into 6 months and pay off 2k per month and not 12k entirely since I will fall into credit debt, which will be a disaster to recover from.