How to use the Affirm Card™

[@XVNRX]

Why can’t the card pay in full n then we pay it back in payments off of our debit or bank accord

[@Junior25th]

See that's wut I thought that's real genius. That's what I assumed how it works

[@BigDaddy713_]

@@Junior25thme to fam , shit got me confused asf

[@dggcreations]

It's because they are not a credit card company and don't want to do business as one. The business you want to purchase the item from must already have a deal in place with Affirm to allow you to make a purchase or you'll likely have to pay in full from your bank account. The merchant doesn't get the full purchase price. They've agreed to let approved Affirm customers to make payments. And there are also complicated, ever changing rules to that and every company is different. Plus you'll notice they state in the video that you must have a bank account attached to the Affirm card that can cover the full balance of the purchase. This is because often they will deny the payment plan after you scan the card (even if it was a pre-approved plan) and then charge your bank account in full immediately. This is especially true for under $50 purchases. You are not the ones Affirm wants to impress. They want that business/advertising you are paying the store for. The store gets to say they accept Affirm and Affirm can say they are accepted by that store for payments. They don't seem to care what issues or extra steps you have to go through to make the transaction happen. I too thought this would be like a CC I could use anywhere. It's not at all, even though it is a part of the Visa network. I am trying to cancel my unused card and end my affiliation with Affirm but am having a hard time even getting any support from them at all via email or phone and am now trying by mail. Luckily, I have other cards I can use that actually work like most people would expect A CC to work. Sadly some people get one of these accounts because they think it's like a CC but then discover it makes you jump through lots of hoops to use it. Actually using their payment system online was easier and you would know before the charge what it was going to cost and if payments were approved. And the online payment plans were much higher time periods than the 4 payments this card offers. But that system is only available via that online store's approval with Affirm.

[@PokeMills]

Love Affirm but the card is waaaay too unnecessarily confusing at times to use

[@Y_Wade_Enterprises]

I agree 💯

[@PokeMills]

@@Y_Wade_Enterprises I with they made the process easier

[@antionettebrown3359]

I agree this card is a pain in the asp I don't see myself ever using it

[@PokeMills]

@@antionettebrown3359 it would be nice if they made it more seamless and easier to use

[@affirminc]

Thank you for sharing your feedback! We value your insights and would love to learn about your experience. If you're open to it, could we arrange a conversation to gain further understanding? Please respond with "Yes", and we'll be in touch via email to coordinate.

[@flashtro13]

I love affirm. This card is a no Brainer but let me purchase on the go. I don't plan what I want. If I see something I want I get. They have to change this. PLEASE CHANGE THIS!!

[@affirminc]

Hello! If your bank account is linked to your Affirm Card, you're able to split purchases after you swipe your card. From there, you will have up to 24 hours after checkout to request a payment plan. More information can be found here: helpcenter.affirm.com/s/article/request-a-payment-plan-after-checkout

[@yahuahsgirl]

The below suggestion never worked for me. I was publicly humiliated. I will be sending my card back. They would say it was always over its limit despite having a $0 charge balance.

[@markgupton1313]

​@@yahuahsgirlGreat answer Affirm

[@dggcreations]

@@affirminc Never works. The split is always denied. Even when under the credit limit and a pre-approved store. Biggest problem is then you have to pay in full using your bank account. This is a ridiculous system that is useless unless you already had the full purchase price to start with and then why would you not just use your bank account. Don't advertise you'll split into payments then stick your customers with a all do now to their bank accounts. Completely useless card I plan on canceling if I can get an Affirm support person to ever respond.

[@JamesBarnes-o2l]

If you’re friends think less of you because of an Affirm card you pull out you need to find better friends!

[@triciawaellner5428]

I love affirm but the card is too confusing. I will try again but when I used it before it wouldn’t work. I have been able to use affirm without the card but would like to use the card.

[@NovaDoll]

Read the directions. They have articles online.

[@dggcreations]

@@NovaDoll You do realize that they have extremely complicated rules for using the card and often refuse purchases they previous have said they will accept. Then they love to deny purchases for payments then charge the persons bank account in full instead of providing payments or completely deny the purchase all together even if all the conditions of the purchase have been met. Its embarrassing to have to set up a plan ahead of time but within 2 hours for an exact item at an exact store and then to be still denied when the card is swiped.

[@geefunk07]

The concept is cool, just got the affirm card today and added to wallet, but paying in full for everyday purchases, for example cup of coffee, with a debit card and no type of reward back seems ludicrous. You should at least try to incentivize users to use the card for daily small purchases,

[@dggcreations]

They don't want you buying anything more than stuff from the people who advertise through them by saying they accept the card. The other option is to pay for the item in full with an attached bank account. And they also state you have to have the full purchase amount in your connected account in case they disapprove the payments (happens frequently) as they will put the full charge onto your bank account. It's common for you to make an under $50 purchase and be denied for no apparent reason, causing embarrassment as everyone thinks you are a deadbeat. And if you do a larger dollar purchase, they refuse after a plan was approved from an approved store and charge your linked account in full. These are not credit card people and have no incentive to do anything other than all they can to get your dolllars and the store's advertisement by accepting them as a CC.

[@MrMcdonaldsBoy]

Finally I needed this video for months ❤

[@KerrysPassion]

I too love Affirm but the card itself is not user friendly and I spent too much time discovering how to use it. Confusing. And it ask for too much information to link to my bank account. I am going to shred the card and just keep my Affirm account. I do not need another debit card and I am not willing to link the card to my bank account for setting up payment plans like I do on Amazon. Just another thing to worry about. Nope.

[@alankennedy1368]

Very poor card

[@vintagebotz]

The affirm card is a bit confusing I don't care for it either I used it once at Burlington and didn't understand and took the $87 from my account instead of payment plan I could have used my own debit if that was the case I tried talking a rep still didn't make sense of it, I want use it again just my regular way when I shop online..

[@SassySaffire]

PLEASE take the background music off of the video! The woman's voice is too soft, and sounds a bit muffled. Her voice, with the music makes it difficult to understand. I am glad the video is available, because my first and only attempt at using the card was not a favorable experience. No music please, and have the woman speak a tad slower and with better enunciation. Thank you. P.S. AFFIRM is a life-saver and life-line for me.

[@Melanie.onFIRE]

I’ve used buy now pay later with other companies! Why is this so complicated?

[@Nurd365]

This card is not user friendly at all. I just put the card away because it isn’t really helpful at the state it’s currently in. Might want to go back and rethink this one out.

[@affirminc]

Thank you for sharing your feedback! We value your insights and would love to learn about your experience. If you're open to it, could we arrange a conversation to gain further understanding? Please respond with "Yes", and we'll be in touch via email to coordinate.

[@gingerdanger6670]

You must be simple.

[@Nurd365]

@@gingerdanger6670based on your comment you’re the one who lacks a brain for proper thought or forming sentences that are helpful in anyway so 🤷🏾‍♂️

[@paulcook3021]

"Link bank account and use as your every day debit card" My question is where does the money come out of when using for every day debit? Bank account or Affirm spending power?

[@TheWobbinator1]

Comes from your Affirm balance then is added back when your bank transfer is settled.

[@affirminc]

Hi there! For more context regarding the Affirm Card and how it works, feel free to check out our Help Center article linked here spr.ly/6059cpjht

[@mountrussmore]

I'd love to link my bank account but why do you need my login information, my back account sign in and password. I don't feel safe giving that. Everything else I use to pay with my bank account only needed the routing number and account number.

[@affirminc]

To unlock the full features of the Affirm Card, you'll want to link your bank account as the Affirm Card can be used as a debit card. We've partnered with Plaid, helps you safely connect your financial accounts to the apps and services you love. If you wish to not link a bank account, you can continue to use the Affirm Card. You'll just need to request payment plans before swiping your card at checkout. More information can be found here: helpcenter.affirm.com/s/topic/0TO7V000000tQGQWA2/affirm-card.

[@dggcreations]

@@affirminc Plaid is known as a poor security method of generating ads and more to the accounts they are allowed access to. There is tons of internet info about how they abuse the people they get access to. Why are you associating with them Affirm? No way I'm going to allow you or Plaid or anyone else to have my bank account login info. This is a scammers way of doing business and very disreputable. No one wants or needs a poor substitute to a bank card. We come to you for splitting a purchase into payments, not to pay the entire balance up front. For that we have much better choices than Affirm. You need to stop doing business this way Affirm or you'll get associated with the dishonesty of the firms you share our data with. Plaid is not someone you want to have login rights to our bank accounts. And you still deny payment plans even when using preapproved companies. As soon as I can get someone at Affirm to respond, I'll be canceling my useless card.

[@rom6524]

Lovd it but i hate it when people looking at me waiting to make a plan purchases. I wish Affirm makes it automatically on everything by it self 😢

[@andrewservis241]

Make the card an actual debit card I can swipe whenever I don’t exceed my limit way to confusing and mine never works when I make. A plan

[@mscandys549]

Confusing in store at Walmart. Employees are not interested

[@MaidenRulez82]

I have the affirm debit card, savings acct, etc. This video still hasn't entirely helped me to understand how/why to utilize the affirm debit card. Aside from that, I'm still unclear on whether or not the "eligibility" check /loan application for each use of the card constitutes a hard credit inquiry. I'm afraid to utilize affirm for payment unless it outright states that there won't be a hard credit inquiry every single time i apply for eligibility to utilize affirm. Several times now I've backed out of utilizing affirm for this reason; the fine print never specifies, and because i have an existing account(s) with affirm, they can very easily do a hard pull on my credit without all the usual fanfare/red tape.

[@affirminc]

Creating an Affirm account and checking your purchasing power will not affect your credit score. At this time, only some Affirm loan types are eligible to be reported to Experian. Affirm currently reports some loans and repayment activity to Experian and may report to other credit bureaus in the future. Typically, your first monthly installment loan with Affirm is reported. After you’ve had at least one loan furnished, Affirm won’t report subsequent loans unless they become 30+ days overdue. If your loan repayment activity is reported to a credit bureau, the entire loan history will be reported. For more information check out: spr.ly/6058VPJlg.

[@JaimeSaenz-y2h]

@@affirmincso what’s the point of having the card physically if you still have to do everything on the app?

[@7954bryce]

If im understanding correctly, it allows you to buy things in person at certain stores rather than online. Example: ​say your shopping for clothes at a target store and want to use affirm to pay, without the card you'd have to buy the clothes online, with the card you can request an affirm loan on the app and use the card in person at the store. @user-nj5kd3cl6y

[@ondinamoore111]

It's based on your bank account.

[@k.m.h7480]

I thought it was based on our credit because I have an awful high amount I’m able to spend on affirmative action but that amount isn’t in my checking account? And affirmative action did a credit inquiry at one point when I bought an air conditioner then offered the card after I bought a dishwasher . I paid off both loans early tho but my bank showed Affirmative action had done either a full credit check or something because they were in my inquiry part of the report

[@7954bryce]

Linking your bank only allows you to buy without requesting a loan, then getting a loan after you purchase it to pay off the purchase. In my opinion, it's easier to just request a loan then use that.

[@sspraker07]

I found the card to be useless. Tore mine up.

[@Journey703]

I have an affirm card. When I planned a purchase in the app, it approves it, then shows a card for me to use -but the card is a different number on the app than what I have. It then says to put the card in my wallet on my phone. So do I use the physical card, or the card in my phone wallet? Since they are different numbers, it’s confusing on what I am supposed to use. Anyone else run into this?

[@triciawaellner5428]

That is what I encounter. I have called about it and have been told to use the phone wallet card. This means not using the physical card, as I said before it is confusing.

[@affirminc]

For your protection, your physical and virtual card will have a different number. Both numbers are connected to your Affirm Card account and can be used for transactions. With that mind, you can't add your physical card to your digital wallet, but you can add your virtual card from the app.

[@kimwilliams6941]

Same problem for me

[@clcotton26]

​@@affirmincThis still didn't answer the question. What's the point of the physical card if the app will keep giving you a virtual card number each time you're trying to use the physical card.

[@BryceFoster]

In short, it keeps you from being robbed. Use which ever card you want. They both take your money the same.@@clcotton26

[@mariohiph]

Too much of a hassle to use the physical card. Simplify the process please.

[@affirminc]

Hi there. We are always looking to improve the experience for our users. If there is anything specific we can look into, please contact us at [e-mail].

[@angelsaidferreira5193]

I don’t see any link to apply for the physical card on the app 🤔

[@joycethompson8952]

Good because you don't really want it

[@nyfinest487]

I don’t get this card. I got rejected when I tired to buy something on the store???

[@chilininbama01]

I love the app and I can shop online, BUT my bank doesn't support Affirm 😢.. otherwise shopping online is Awesome!!

[@affirminc]

We hope to expand this service to support more banking institutions in the future! Sorry for the delay, but you can count on us for your online purchase needs!

[@arelys1446]

My daughter is in Spain and 2 transaction where decline ,, so hard to comunícate no costumer service

[@HoosierTrucker]

I believe it’s in US only for cards to be used. Not 100% but I believe I saw that somewhere

[@JosephEvans70]

Love my Affirm Debit Card and Services. 💘 Where have you been my whole life, it's perfect.

[@affirminc]

We love to hear it, and we hope to continue meeting your purchase needs in the future!

[@kambodreamz2611]

Can i use affirm to pay my credit card and just pay affirm thru payment plan?

[@affirminc]

Unfortunately, you won't be able to use Affirm to pay off your credit card at this time.

[@dggcreations]

Most credit cards or payment type accounts do not let you pay one credit account from another. Most banks won't even allow transfers between credit accounts. You will only be given the option of paying your Affirm bill with a debit card or non-credit card. You also won't be able to use Affirm (or most CC accounts) to pay off another. Only balance transfer accounts will generally allow this and you jump through a good deal more hoops to transfer than just paying a bill. That's why balance transfer CCs often require a higher credit rating to get one. Many balance transfer cards will also allow you to pay very low or no interest for several months in order to pay off debt faster. The CC companies don't want you to keep getting deeper in debt by using one CC to pay the other while the interest continues to pile up.

[@morehairforyou]

Can I transfer balances

[@dggcreations]

Absolutely not. And they won't let you make payments using another CC.

[@janicesmith5617]

Can you get cash off this card?

[@affirminc]

Hello! Affirm Card doesn't currently support ATM withdrawals or allow you to get cash at the register during in-store purchases.

[@dggcreations]

Not only can you not get cash but you can only pay this card via a bank account or checking type account. Affirm will refuse to allow payment from or to another CC. Most of the time, you're going to have money in your checking to pay this card.

[@OlydiaBee]

So is it a Debit or Credit?

[@affirminc]

Great question! The Affirm Card is a debit card. You can request payment plans in the app before checkout, or after checkout if you pay in full first for an eligible purchase in stores or online. More information can be found here: helpcenter.affirm.com/s/article/using-my-affirm-card

[@UmaRichmond]

Debit; actually; same as if yiu are using your checking acct debit card. So if you left your wallet in another purse, you can use the Affirm card;m. It takes about two days to reconcile your purchase at your bank

[@angelsaidferreira5193]

what’s the minimum amount to spend? $100?

[@affirminc]

The minimum to spend on eligible purchase would be $50! To request an Affirm Card, check out: spr.ly/6059pXG5J.

[@Honeyjazz29]

I have this card. I would like to know if I can use it to pay a utility bill since it's susposed to be like a debit card. Thanks in advance. 😊

[@Paradisisland1805]

How many loans can you do with the affirm debit plus card?

[@affirminc]

For eligible purchases over $50, there is not a limit for the number of loans.

[@eliasb-xh9ey]

I got the card in the mail, but never use it; too confusing. It also seems really cheap. Don’t want to show it near friends.

[@carolynjarrell2891]

HI, I HAVE TOO ACCOUNTS WITH AFFIRM. 1 WITH THE CARD AND 1 USING A STORE PURCHASE. THEY WILL WALK YOU THRU USING IT IF YOU NEED HELP.

[@trumpetplyrmatt]

I don’t care how it looks, but the process for using it sucks

[@ms1914]

So you’re too ashamed to use a card in front of of your “friends” ? Sounds like you either need new friends or maybe change how others opinions affect you 🤓

[@NovaDoll]

😂😂😂Confusing? Can you read instructions?

[@carolynjarrell2891]

GOTCHA

[@constitutionalcompliance2509]

I’ll never use this shit card and company anymore.

[@affirminc]

Hi there. We are always looking to improve the experience for our users. If there is anything specific we can look into, please contact us at [e-mail].

[@onebaddass]

I have one and used it in store what a mess the cashier never had anyone use one in store I ended getting charged twice spent a lot of time getting g that sec d charge off never again