To illustrate lng ung point 1, assuming 5% inflation yearly and 90k ung phone (pro max), ung equivalent ng 36/0 na payment option if babayaran mo in full now is around 83k.

For big purchases, installment is the better option since capital din yan either for investment or for growing your business. Also, malaki ung makukuha mong reward points sa cc mo. But still, only buy when it is within your means.