Yes "24 interest-free installment" is generally a preferential activity launched by the platform. If a commodity has this preferential activity, you can choose to pay in 24 installments without paying interest and repay the principal in installments. If money is tight during online shopping, you can try to pay by installment. The specific payment method, number of installments and interest rate are different. Please refer to the page displayed when making payment.

: 1. What is interest-free?

The so-called interest-free period is the buffer period for customers to save money after the credit card consumption balance is zero (or the balance in the card is lower than the commodity price). Generally speaking, this means that customers will have this interest-free period after spending. The longest interest-free period, for example, if the bank stipulates that the 25th of next month is the repayment period, and this month's consumption is 1, the longest interest-free repayment period is 56 days; Consume on the 2nd of this month, and the repayment period is 55 days. At present, the longest interest-free period for most banks such as Bank of Communications, Industrial and Commercial Bank of China and Agricultural Bank is 56 days.

There are generally two interest-free periods. First, the bank clearly stipulates that the first day of each month is the interest-free repayment period. Interest-free period is the date between the bank's bookkeeping date and the deadline, which is adopted by both ICBC and ABC. The other is that the cardholder chooses a billing date as needed, and then sets the latest repayment date according to the billing date, so the interest-free period is the date between the bank billing date and the latest repayment date.

Two: How much is the handling fee?

The word "formalities" is interpreted as "procedures for handling affairs", such as loan procedures, transfer procedures and securities trading procedures. Therefore, "handling fee" should be interpreted as: it is a kind of labor remuneration collected for others to handle related matters; Or yes.

For the principal, it is the corresponding remuneration paid for others to handle related affairs. Such as securities transaction fee, air ticket fee, withholding fee, national debt fee, etc. From the perspective of tax payment, all kinds of agency fees collected by operators should be regarded as taxable income and pay business tax; After deducting the related expenses, the income should also be subject to enterprise income tax. In addition, there are cases where tax authorities perform the task of withholding and paying taxes. The withholding fee obtained belongs to tax-free income, and there is no need to pay business tax and other taxes.