Remember: Actual card and loan conditions depend on the financial institution's approved terms and contract.
Check all fees
Do not stop at the '0% interest' label.
Installments consume future cash flow
Even fee-free installments reduce future flexibility.
Multiple plans can stack up
Small monthly installments can become a large fixed burden.
Compare total paid
Use total price plus fees, not only the monthly installment.
Official reference
Taiwan Banking Bureau — proper credit-card use ↗
General financial education only. Not a lending offer, personal credit determination, or individualized borrowing advice.