In my opinion, buying a mobile phone by stages is an inappropriate consumption concept. First of all, it is not to resist the consumption concept of installment payment. It is undeniable that installment payment has become a consumption fashion now. This consumption pattern can make consumers enjoy the pleasure of using goods in advance, and satisfy the helplessness of some consumers in choosing goods because of insufficient funds. To some extent, it is a consumption pattern of spending tomorrow's money to realize today's dream, which greatly facilitates people's daily life.

Secondly, in my opinion, it is unnecessary to buy a mobile phone by installment. Nowadays, mobile phones have become a necessity. To a large extent, as long as you don't blindly pursue new high-priced mobile phones, you can generally afford a one-time payment. In other words, most people who buy mobile phones by stages are not rational consumers. For the so-called new models and brands, it is an act to blindly choose to shop by stages. We must know that unnecessary consumption and choice will only increase our consumption burden and put our capital chain into a vicious circle. We often see those college students who blindly pursue high-priced mobile phones and choose to shop in installments. After they can't afford the installment fee, they embark on a road that is not conducive to their own development.

Finally, as far as the mobile phone itself is concerned, it is a consumable and has its own consumption update time. Consumers can never keep up with the trend of mobile phone upgrading. The price reduction of mobile phones is huge, and unreasonable staging is a loss, which not only increases their burden, but also makes it difficult to keep up with the development trend of mobile phones.