(China Merchants Bank) The interest-free period means that if you repay all consumption payments before the final payment date, you do not need to pay any interest. The length of the interest-free period will depend on the specific time of your consumption. If your consumption is before the current bill date, it will be included in the current bill. If it is after the bill date, it will be included in the next period's bill. For example: Your bill date is the 5th, and the final payment date is the 23rd. Your consumption before December 5th will be included in the December bill, and you need to pay before December 23rd. If your consumption After December 5th, it will be included in the bill on January 5th and must be paid before January 23rd. If your purchase is on December 5th, you can enjoy a 50-day interest-free period if you repay on January 23rd.