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Which is more cost-effective to buy a mobile phone by installment or pay back a credit card by installment?
Need to compare the installment fees of the two. The lower the rate, the more cost-effective.

In addition, different credit cards have different installment rates. Different issuers have different preferential activities. Recently, a number of card-issuing banks have cooperated with Apple to launch credit card installment purchase activities for free. Therefore, it is impossible to accurately compare.