Interest will be charged after the initial 60-day interest-free period.

最初60天的免息期过后就要开始收取利息了。

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And he pays off the debt during the interest-free period, "so that I don't pay extra for my purchases".

通常他在免息阶段就把债务还清了，他说：“这样一来我就不用付额外的费用了”。

youdao

Q: First, New Zealand called for more grants from China to Pacific island countries, saying that China's "soft loans" may cast relevant countries into a debt crisis once the interest-free period ends.

问：第一，据报道，新西兰方面日前称，中国向太平洋岛国提供的“软贷款”在免息期结束后可能使有关国家面临债务挑战，希中国能提供更多无偿援助。

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It found quoted rates of APR can vary according to whether interest is charged on interest, and whether there is an interest-free period.

BBC: Which? has made a "supercomplaint" to the OFT

Store cards don't pose a problem if you are disciplined enough to pay off the balance within the interest-free period (typically between 35 and 55 days).

BBC: NEWS | Business | Understanding store card debt

For instance, Apple offers customers up to 18 months interest-free on purchases on a card from Barclaycard US. But if you don't pay off that specific purchase in the interest-free period, you'll face a variable annual percentage rate that's currently about 23%, according to the Apple website.

WSJ: 12 Debt Myths That Trip Up Consumers