Now a days we get most of the products and services through EMI. Every company give offers to purchase their products through EMI. If it is necessary for their lives or work then it is good. But sometime the EMI play like a monster. In the case of teenegers , they are easily ifluenced by celebrities and the fashion, trends, etc. They are not bother about the necessity or need of the products like dress, accessories etc. So they look at the offers only. And such offers persuaded people to buy the un necessary items. May be they don't have sufficient amount in their account but the EMI payment option attract them to purchase it. It leads to a unwanted debt. And it decrease the habit of savings.