“After waiting on hold for nearly an hour, I was finally connected with a supervisor who found my open cases and consolidated them into a new case they created during the call.”
A $271 purchase and a chargeback cancelled the next day. Affirm’s systems kept flagging a paid installment as overdue for weeks. Two hour-long holds, and a promised 24-hour reply that never came. Buy now, pay later is frictionless right up until the credit report damage lands on you.