Interest-free credit card does not mean free.

In order to attract more credit card customers, major banks often provide relatively favorable installment rates or even 0 rates. In fact, most banks’ daily installment payment processing rates are between 0.6% and 0.7% per installment. The converted annual interest rate is generally around 8%, which is more than the 1-year loan benchmark interest rate. Moreover, most banks stipulate that if you repay the loan early, the handling fee must be paid in full. Even if you choose to return the loan, you must pay the handling fee.