Credit cards cannot apply for interest-free loans. They only say that there is an interest-free period. Taking China Merchants Bank as an example, the interest-free period means that the credit card holder repays the entire repayment amount before the due payment date (inclusive). , the period between the bank accounting date and the due repayment date for consumer transactions that can enjoy interest-free treatment. The maximum interest-free repayment period is 50 days, unless otherwise agreed between the card issuer and the applicant, but the maximum interest-free repayment period shall not exceed the maximum interest-free repayment period required by relevant laws and regulations (advance loan) (except cash).