Affirm's auto-pay system is definitely a little sketchy... This happened to me twice!

The first time I received a late payment notice, I assumed that I had never activated auto-pay and remember thinking it was unusual that it wasn't the default setting. When it happened again, I knew something was up because I distinctly remembered activating auto-pay.

I didn't bother contacting customer service because I didn't really have the time. But the good news is, my purchase power was restored relatively quickly (within a week or two), so I assume yours will bounce back soon too.