Undoubtedly, they are convenient when purchasing something of value, an expensive TV or bicycle for example, in cases where paying in advance is out of the question
That sounds like the wrong reason to use it in most cases! Unless it's interest-free, you're almost always better off just waiting and saving up to make the purchase.
I only proceed to use installments when an interest free option is offered. I'm not willing to pay 10-15% surcharge just to get installments. Likewise, I'll rather wait and pay in advance. I've never used it to buy something I couldn't afford, and wasn't offered with interest-free payments. It's just not worth it.
Buy only on what you can afford and able to pay and this should be your main priority or need to follow when it comes to financial handling because you couldnt really able to resist on spending
if you do know that you have something in your pocket or wallet that could possibly able to buy things on point on using your card and we know that interest is really that high whenever you
do past due into your payment thats why if you dont like to put yourself into trouble on paying up huge fees then better to be considerable in every actions you would make.