How it works, page-25

for example if your cc limit is $5000, you are buying this $90 stuff and the first installment of $30 will be charged to your cc straight away, and $60 will be held to be charged in the next 2 months of $30 each installment.
but for your cc account, you can only access $4910 at this stage, you won't be charged interest rate for that holding $60, not much saving for small purchases, but for big purchases like vehicles, furniture, jewels etc this is definitely a financial relief.