https://ficoforums.myfico.com/t5/Credit-Card-Applications/Affirm-Teaser-Rate-Games/m-p/6129801#M274891 <P>I am was interested in getting a new PC and the company I am interested in uses Affirm as one of it's payment options.&nbsp; I decided to check them out since it was INQ free and was supprised that they offered a 15% APR to me when the rates are starting at 10%.&nbsp; Needless to say I won't be using them as my local CU credit card is 11% if I decided to buy and not pay upfront.&nbsp; For some reason they remind me of those CFL compaies that used to hound me in my subprime days.</P> Wed, 09 Sep 2020 09:47:08 GMT marty56 2020-09-09T09:47:08Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/Affirm-Teaser-Rate-Games/m-p/6129801#M274891 <P>I am was interested in getting a new PC and the company I am interested in uses Affirm as one of it's payment options.&nbsp; I decided to check them out since it was INQ free and was supprised that they offered a 15% APR to me when the rates are starting at 10%.&nbsp; Needless to say I won't be using them as my local CU credit card is 11% if I decided to buy and not pay upfront.&nbsp; For some reason they remind me of those CFL compaies that used to hound me in my subprime days.</P> Wed, 09 Sep 2020 09:47:08 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/Affirm-Teaser-Rate-Games/m-p/6129801#M274891 marty56 2020-09-09T09:47:08Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/Affirm-Teaser-Rate-Games/m-p/6129823#M274892 <P>You dodged a bullet anyway. They're coded as a CFA on your report and it drags your score down.</P> Wed, 09 Sep 2020 11:30:34 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/Affirm-Teaser-Rate-Games/m-p/6129823#M274892 OmarGB9 2020-09-09T11:30:34Z