Overview

• Under these promotions the bank pays the merchant upfront, the buyer repays in fixed monthly installments, and the full purchase amount is blocked on the card’s credit line until it is amortized.
• An El Economista report on a Paypay study finds that 90% of credit card holders use these plans and four in ten cite them as a primary reason for having a card.
• Financial educators advise reserving the tool for durable goods, checking that the promotion is applied at checkout, evaluating payment capacity, and avoiding multiple concurrent plans.
• Missing an installment triggers moratory interest and can damage credit histories, with reporting noting that some app‑based cards from firms such as Rappi, Nu, and Didi can exceed 100% annual rates if users default.
• The recent Banco de México policy rate cut to 7.75% may filter into lower consumer credit costs over the next six to twelve months, though short‑term risks for borrowers remain.