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CemeterySaliva t1_iy67vb7 wrote

> buy now pay later services hurt your credit significantly.

Can you explain further?

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2Amatters4life OP t1_iy692e1 wrote

Affirm loan on prime day over summer dropped my score almost 30 points and it has taken almost 6 months to get back to where it was… that was the only change on the report when this occurred. All revolving accounts are kept below 30% usage and if I would have just put it on my capital one card I would have been better off then using 0% interest affirm when I had payed it off in two months anyways

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Fuckmakingausername t1_iy6afrn wrote

I used affirm for a mattress, and then for a gaming chair and it never showed on any of my credit reports. During this time I also opened two credit cards and my score only has increased.

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