Every time during the peak consumption season of the New Year and holidays, attractive words such as "zero down payment, zero interest" will frequently appear in shopping mall advertisements, credit card bills, shopping posters and other publicity channels to attract credit card users. Cardholders pay in installments. For consumers who need to purchase large quantities of durable consumer goods at one time but do not have enough liquidity on hand, credit card installment payment is simple and serves two purposes. However, while enjoying interest-free, consumers need to pay attention to the "zero down payment" and "zero down payment" advertised by banks. "Interest-free" does not mean zero cost. If the loan installment period is extended too long, the handling fees consumers pay to the bank may unknowingly catch up with the interest saved. Some merchants have launched "zero interest, zero handling fee" activities for promotion. After careful study, the reporter found that the restrictions are relatively harsh, the lip service is not real, and consumers may also step on the trap by mistake. For credit card holders, although they do not need to pay interest on installments, they need to bear a higher handling fee to enjoy bill installments and shopping mall installments. According to the reporter's understanding, there are currently two ways for banks to collect handling fees. One is to charge them on a monthly basis, such as Agricultural Bank of China, China Construction Bank, and Bank of Communications, etc.; the other is to charge them all at once when paying the down payment. For example, ICBC, Bank of China, China Merchants Bank, etc., but sometimes they can also be "accommodating" - in order to alleviate the pressure on handling fees, these banks have relaxed the handling fee sharing regulations for some individual consumer items. If the period is longer, such as 24 If it is monthly or 36 months, you can pay it monthly. Although consumers cannot get real "interest-free" in the installment payment of ordinary durable consumer goods, there are indeed some "free lunches" that can be enjoyed on some specific consumer goods.