under normal circumstances, the cardholder will have a certain interest-free period after using the credit card, and if the due amount is paid off before the end of this period, no interest will be generated. Even if you apply for installment repayment, if you can repay on time, you will not generate interest. So to sum up, the key is whether the cardholder can repay on time. Different banks have different interest-free periods, so I suggest you know in advance how long your credit card is interest-free.