No interest under normal use; Functions such as choosing stages need interest. Credit card consumption usually has no interest, because credit cards have an interest-free period. From the bank consumption date to the billing date when consumption occurs to the repayment date, as long as the amount payable on the billing date can be fully paid off before the repayment date, no interest will be generated. However, if the credit card can't pay off the bill and chooses installment repayment, overdue repayment, minimum repayment amount or even no repayment, then the cardholder can't enjoy the interest-free discount and needs to pay a certain fee and interest. Therefore, there is no interest in using credit cards under normal use; Functions such as choosing stages need interest.