The following conditions must be met for a credit card to apply for an interest suspension:

1. You need to contact the card-issuing bank and explain the reasons for the suspension, such as financial difficulties, illness, etc.;

2. Provide relevant supporting materials, such as doctor's certificate, income certificate or other necessary documents;

3. Meet the bank's review standards, including good credit record, reliable repayment ability, etc.

The specific steps are as follows:

The first step is to contact the card-issuing bank. Communicate with the bank’s customer service by phone, email, or in person at a bank branch, and explain the reasons for applying for an interest rate suspension.

The second step is to provide relevant supporting materials. According to the bank's requirements, submit corresponding supporting documents, such as medical certificates, income certificates or other supporting materials to support the authenticity of the suspension application.

The third step is to wait for bank review. The bank will review the submitted application and related materials, and comprehensively evaluate whether to agree to the request for interest suspension and hanging accounts based on the individual's credit record, repayment ability and other factors.

The fourth step is to comply with bank regulations. If the bank agrees to the application for suspension of interest rates, you need to make repayments or re-make a repayment plan in accordance with the bank's requirements. At the same time, be sure to abide by the bank's relevant regulations during the loan period to avoid overdue payments or other defaults.

Summary: To apply for an interest-free account, you need to contact the card-issuing bank and provide relevant supporting materials, and comply with the bank's review standards. Specific steps include contacting the bank, submitting supporting documents, waiting for review, and complying with bank regulations.

Extended information: Suspension of interest and debt suspension refers to suspending credit card repayments within a certain period of time and suspending the corresponding arrears without calculating interest and late payment fees. By applying for an interest-suspended account, the repayment pressure can be suspended during times of financial difficulties, but certain conditions need to be met and approved by the bank. Each bank may have different requirements and policies for interest suspension and suspension of accounts, so it is best to communicate with the card-issuing bank to understand the relevant regulations and procedures before handling.