Buen Fin 2026 dates
November 13 to 17 — Thursday through Monday. Large retailers pull promotions forward to the Wednesday before; the "remates de Buen Fin" (closing deals) run through November 21. If you show up late to the weekend, the discount is almost always still there.
Interest-free months: the rule nobody tells you
MSI (meses sin intereses) are "interest-free" only if you pay every installment on time. One late payment reactivates interest at the card's rate — between 50% and 70% CAT, applied retroactively. The question worth asking before you accept an MSI plan: am I buying this because I needed it before Buen Fin, or because the MSI makes it "look cheap"? If the honest answer is the second one, don't sign.
Which cards pay the best cashback during these dates
BBVA, Citibanamex, Santander and American Express rewards programs usually run targeted bonuses: from 5% on select categories up to 15% with certain partners. The card comparison gives you a month-by-month view; ideally you already have the card in your wallet before Buen Fin, not applying for it the day of the discount (approval takes time and the perks kick in later).
When a personal loan beats the MSI plan
On big purchases (say, above 30,000 pesos) at retailers that don't accept MSI with your card, a personal loan at 35–40% CAT is usually cheaper than financing on the card at its full CAT. Always look at the total cost, not the "monthly payment" — that one's misleading.
The mistakes that blow up the January bill
Buying on 18 or 24 MSI something you were going to buy anyway — it ties you up for two years on something that loses value in six months. Opening several new cards in one week — every application leaves a mark on your Buró de Crédito (Mexico's credit bureau). Confusing a "-50%" off an inflated price for a real discount. And the classic: getting to Monday with a maxed-out card, no memory of the minimum payment due on the next statement.