1. There is a handling fee or interest for buying a mobile phone in installments, which is the most direct reason. For example, in Pinduoduo shopping platform, you can choose to buy a mobile phone by credit card installment or flower garden installment, but the installment fee includes the handling fee.
2. Buying a mobile phone in installments may have an interest-free routine. In some cases, interest-free installment may not be directly interest-free, but some interest-free coupons may be issued. For example, when the interest rate is full, it can be reduced by several yuan, or the interest rate can be discounted. If it is completed by stages, you still have to pay a certain interest or handling fee.
3. Buying a mobile phone in installments may affect credit reporting. The process of buying a mobile phone by installment is to pay by credit card in one lump sum, and then repay the credit card bill by installment. If the repayment of each installment is unexpectedly overdue, it will be fed back to the personal credit report, leaving a record of overdue repayment, which is a potential risk of credit installment payment. Buying a mobile phone in full will not involve credit rating.
Mobile phone introduction:
Mobile phones, called mobile phones or wireless phones, are usually called mobile phones. At first, they were just a communication tool. In the early days, it was also commonly known as "mobile phone". They are portable telephone terminals that can be widely used. They were originally developed from 1940 battlefield mobile phones manufactured by Bell Laboratories. 1958, Soviet engineers Leonid and Kupriyan Norwich invented лк- 1 mobile phone. 1973, Motorola engineer marty cooper invented the world's first commercial mobile phone.
Mobile communication has experienced the 2G era and 3G era, and has developed to the 4G era so far, followed by the 5G era, and the commercialization of 5G has appeared in China. If we look back, we will find that the concept of mobile phone appeared as early as 1930s, when Bell Laboratories, the largest communication company in the United States, began trial production. 1930, Bell Laboratories manufactured the first so-called mobile phone. But because of its large size, researchers can only put it on the shelf in the laboratory, and people will gradually forget it.