1. If the mall stipulates to use CITIC Credit Card, interest-free installment is allowed. Then it is reliable. But you should have a look. Is there a handling fee? If you want to charge an installment fee. Then there is the interest in installments. It's just that banks are called differently. This is fooling the people. 3. If it is interest-free. Then I said it. There is no installment fee. Then it's really interest-free. 4. Read the instructions yourself before buying.