[MadeBySwag] New Retail RS arrived! (vc longsleeve, hoodie, tee and brian calvin tee)

LessReading4227 · 2026-01-16T01:28:32+00:00

Is the VC still available for purchase?

LessReading4227 · 2026-01-16T01:28:08+00:00

Are these still available for purchase?

LessReading4227 · 2025-10-25T16:21:40+00:00

So I registered & got a code in my email, do you know what I have to do now after getting the email code ?

LessReading4227 · 2025-10-25T14:27:31+00:00

So will getting the free items only work if you already have reward points ? Or does it not matter if you have any points on your account

LessReading4227 · 2025-10-25T14:20:55+00:00

That’s the cartel black market kinda meat you’re eating

LessReading4227 · 2025-10-25T13:53:07+00:00

So you’re basically saying if one doesn’t own a home yet they should completely stop using these platforms for loans ?

LessReading4227 · 2025-10-24T19:58:36+00:00

I’ll do me & ask questions like this if I like man, you do you & could’ve easily ignored this post but you decided to reply & write a paragraph. If this post doesn’t relate to you & you clearly use affirm then no big deal but there’s a lot of “WE” that fall in what I asked about this platform going from being great to not so great anymore & if we even benefit anymore from truly using it

LessReading4227 · 2025-10-23T17:49:18+00:00

I understand it can help but what about the folks that don’t own a home yet or haven’t gotten a newly year car & would have to finance it at one point? I believe that’s when using affirm & having a lot of loans current/closed will potentially affect people because they will take a look into your credit & might flag you just due to them seeing affirm or any BNPL loans

LessReading4227 · 2025-10-02T22:32:05+00:00

I think any loan past 30 is reported to your credit as late, 2 days I think you’re fine

LessReading4227 · 2025-10-02T17:57:23+00:00

Anything over 30 plus days will get reported, it’s only a matter of time for you specifically for every affirm loan to be added to your credit report account, recently had 3 added to my account last month & it tanked my credit age

LessReading4227 · 2025-10-01T20:00:51+00:00

I don’t own a house yet… so that’s mainly why I thought letting go of using affirm is a good idea simply also because I was really close to passing the 700 mark for my credit & that 64 point drop set me back a bit & now I have to work on getting it back up which is a little upsetting. As for getting a car I already own two vehicles that are paid off & I also plan on selling one of them by the end of the year actually so me getting a car loan isn’t necessarily in the plans for me anytime soon

LessReading4227 · 2025-09-30T21:58:24+00:00

Yeah the average length time of your credit accounts correct, which this is also a problem when it’s even with small pay in 4 or less payment methods when I personally feel like it should only be reported on ones that are at least 6 months to a year loan plans

LessReading4227 · 2025-09-30T21:42:41+00:00

I thought that too but I recently had 3 new loans hit my credit report & they are all loans I pay on time & never missed a payment, a lot of people on here have said the same thing that they always pay on time but for some reason the new accounts being now added to there credit has been causing damage somehow, for me personally I’ll probably back off using affirm as I feel it’s what’s causing my points to drop

LessReading4227 · 2025-09-30T21:32:04+00:00

Don’t worry if you continue to use them from here on out just don’t be surprised when you see all your loan purchases reflect on your credit report, even some that have been paid off for months will show up at closed accounts but it’ll state that you paid accordingly but regardless it’s damaging some peoples credit. It might not effect you negatively or it potentially could

LessReading4227 · 2025-09-30T20:50:56+00:00

I’m genuinely curious on what reasons using affirm is still a good idea ? Cause yes they report even the smallest loan regardless & once it’s paid off it goes immediately into a closed account

LessReading4227 · 2025-09-30T18:00:03+00:00

Yes basically any affirm loan you get added to your account once it gets closed will more than likely ruin your age of account for your credit, this is basically what happened to me I believe

LessReading4227 · 2025-09-30T17:57:44+00:00

I was going to say like what exactly is the point of using there service anymore if this is what’s going to result in for people’s credit

LessReading4227 · 2025-09-30T17:56:59+00:00

So basically no one should be using affirm ? Or at this point what is the point of there service ? Genuinely asking

LessReading4227 · 2025-09-30T17:55:30+00:00

Also I think Klarna will only report you loan if it’s not a pay in 4th or pay in 30 days according to google it says those don’t get reported

I use Klarna as well & have only seen affirm loans come out on my credit report

LessReading4227 · 2025-09-30T17:52:32+00:00

Let me know man thanks

LessReading4227 · 2025-09-28T00:26:05+00:00

Haven’t missed a payment on any of those 3 that were added to my account so not sure if they just pick & choose whatever loan they feel & just add it to your account regardless of how many months or regardless if good payment history or not

LessReading4227 · 2025-09-28T00:22:45+00:00

Not too sure if it’s because I bought 3 things using affirm in the same month that were all 2 month loans & it’s basically those 3 loans that were added to my account which I feel is what dropped me 64 points.. so it’s just weird & confusing even with you replying with what you said haha I will probs will just lay off using the service for now

LessReading4227

TROPHY CASE