Why I'll never use Affirm again
tldr: I'll never use Affirm again because when there are issues with their payment system that could severely impact your credit score for years, their customer support is unequipped to help and their underlying support infrastructure is poorly designed.
On Jan 3 2022, I purchase a product from a merchant for $271. As part of the purchase, I signed up for a 0% APR installment plan via Affirm to pay the balance in four equal payments over six weeks. The merchant ended up not shipping the product for over two months, by which time I had fully paid off the loan from Affirm, and they were unresponsive to my requests for a shipping date. Because of this, on Mar 10 2022 I initiated a chargeback with my bank (Chase) on the last loan payment, which I paid on Feb 15 2022. As soon as I initiated the chargeback, the merchant became responsive and shipped the product. On Mar 11 2022, I received the tracking number for the purchase and I called Chase to cancel the chargeback.
Since Ma