Clever use of interest-free installment shopping: At present, many banks have started this business one after another. At first, the products that can be paid in installments mainly focused on branded computers, high-end stereos and washing machines. Banks will regularly publish the catalogue of installment products, and at the same time restrict cardholders from applying for subscription of related products within a certain period of time. If the purchased goods have quality problems, consumers can directly contact the merchants for replacement or maintenance. In addition, the 50-day interest-free period of credit cards can also allow cardholders who are not short of money to enjoy financial opportunities. For example, spend the bank's money first during the interest-free repayment period, and enjoy more interest on your savings or make other investments, such as buying some short-term wealth management products with a weekly or monthly investment cycle. What needs to be remembered is that you can enjoy the longest interest-free period if you spend on the second day of the billing date. Interest-free analysis shopping is a mutually beneficial and win-win policy, and both banks and cardholders will get corresponding benefits.