12-month interest-free means that the purchase can be paid in 12 installments without charging interest. But the premise is that this product supports installment.

For example, if you purchase a certain product, the price is 3,600 yuan, and it supports 12 interest-free payments, then the monthly payment is 300 yuan, totaling 3,600 yuan, without interest.

If you are short of money for online shopping and need to buy large items, you can try to use installment payment to reduce stress...