The steps are as follows:

1. Understand the interest-free installment policy provided by the credit card you hold. Different banks have different policies, including installment period, scope of application and handling fees.

2. Determine the consumption items that require interest-free installments. This can be shopping, travel, medical expenses or other expenses that comply with bank policies.

3. Apply to the bank for interest-free installments. Applications can be submitted through online banking, mobile banking, telephone banking or directly at the bank counter. When applying, you must provide corresponding consumption vouchers and personal identity certificates.

4. The bank will review the application. Factors such as credit status, repayment ability and application amount will be evaluated to decide whether to approve the application.

5. If the application is approved, the bank will sign an interest-free installment repayment agreement. The agreement will specify the installment period, repayment amount of each installment, handling fees and other relevant terms.

6. Make installment repayments on time according to the repayment method and time agreed in the agreement. Under normal circumstances, the bank will automatically deduct the corresponding installment amount from the credit card account in each billing cycle.