Affirm now offers a Virtual Credit Card to shop!

Creditaddict · ‎10-19-2019

Affirm can be found on various sites if you are not familiar like Casper, Purple, Theragun, etc. etc. The list is extensive and they offer anywhere from 0% on many things all the way up to 30% depending on credit.

The nice thing is they only do sp for approvals.

Well now you can download the Affirm App and it will ask you if you want to check for spending power on an Affirm Card ( a virtual credit card to shop anywhere online that doesn't already take affirm)

Pretty neat and since they are fairly relaxed for approvals, it might be a great building tool for some.

Brian_Earl_Spilner · ‎10-19-2019

The only issue is if the financing will show up as a CFA, which some believe hurts your score.

EDIT: a CFA will hurt your score, question is if it will show up as one and how badly it hurts you.

ldkcivilservant · ‎10-21-2019

Affirm is 100% coded as a CFA.

They only report to Experian, and it's a good 15 points lower than the other 2 on my report.

Drwaz99 · ‎10-21-2019

@ldkcivilservant wrote:
Affirm is 100% coded as a CFA.

They only report to Experian, and it's a good 15 points lower than the other 2 on my report.

Yep. If you look at my scores in my sig, EX is identical to TU except EX has an Affirm loan from 3 years ago. EQ is much higher as I have no INQ on it (and it doesn't seem to be as balance sensitive as TU).