Hello, 24-term interest-free credit card means that within 24 months, you can waive the interest for each period, but you still need to pay the principal. This is because during the 24-period interest-free period, you are only temporarily exempted from the interest for each period, but the principal still needs to be paid on schedule. Therefore, you need to make 25 payments so that you can pay off the principal. In addition, you can also make early repayments during the 24 interest-free periods to pay off the principal faster.