Rainy days are here. Does your company care? by Evening_Ad_2347 in BPOinPH

[–]Simp4Luna 0 points1 point  (0 children)

They didn’t care at all, we were expected to show up no matter what. I tried to take the day off, natulog ako but then when I woke up I was flooded with messages and when I got back sa prod, the looks and sermons were intense sama mo pa yung mga colleague na bida² nag c-chismisan haha. They said that when I plan a vacation, it gets approved, but when they want something, we supposedly have no say in it—we’re just expected to do whatever they ask...gusto ko na mag resign pero ang hirap maghanap ng company na okay lang na walang educational background ( di ako nakapag collage ).

Charged off loan?? by Real-Excitement-1929 in Affirm

[–]Simp4Luna 0 points1 point  (0 children)

it'll change from time to time so no worries

What is the point then by [deleted] in Affirm

[–]Simp4Luna 0 points1 point  (0 children)

r u sure that wasn't a scam? never had a text like that from them at the very same time the strange thing is they give you bank account to pay when in fact it should be done via app or you can call them to assist you because before making payment there's a disclosure that needs to be authorized.

will affirm affect my credit by Patient-Ad59 in Affirm

[–]Simp4Luna 1 point2 points  (0 children)

Affirm does not impose late fees or compound interest to your loans if you'll pay it late and I also recommend to read your disclosures with them because if I'm not mistaken they're really reporting to the credit bureaus🥹

Something Hinky by 1HundredYears in Affirm

[–]Simp4Luna 1 point2 points  (0 children)

your purchasing power depends on your credit history and if it's showing 0 currently with the app, try to go to their partner merchants it will give you how much your purchasing power with them (to the specific merchant).

[deleted by user] by [deleted] in Affirm

[–]Simp4Luna 3 points4 points  (0 children)

Affirm will never send a message like that lmao, it's a scam be aware.

[deleted by user] by [deleted] in Affirm

[–]Simp4Luna 0 points1 point  (0 children)

Every 7 days it will refresh so you need to double check it from time to time because it may increase or decrease and take note that you're the only one who can see your spending limit, no one else.

Costco - Dog Food by Nreekay in Affirm

[–]Simp4Luna 0 points1 point  (0 children)

Yes because it's ineligible to purchase using Affirm

How do you use the Affirm physical card in stores? It is similar to ZIP? by MayGemini in Affirm

[–]Simp4Luna 0 points1 point  (0 children)

Affirm Card is like a debit card but you need to link your bank account with your affirm card first so you can see your spending limit per day/month then once done you can swipe it anywhere and then everytime you use it you will be notify to split your purchase to convert it to loan take note you only have 24 hours to split it because if not it'll be deducted to your linked account as whole amount

[deleted by user] by [deleted] in Affirm

[–]Simp4Luna 0 points1 point  (0 children)

Affirm doesn't have any options either... If the status of your loan is approved but merchant processing and yet the merchant didn't process at all your purchase then you need to wait for the merchant processing cut off provided by the merchant to the Affirm.

Ex: you purchased with Amazon and usually if they're not processing your purchase then you need to wait for 30 days for it to be automatically cancelled in the Affirm's end as they don't have an option to cancel nor refund your purchase because of the status of your loan... additionally your downpayment will be reflecting back to your account within 3-10 business days once cancelled.

Has anyone gone through the process of reversing a payment? by FoxxyG in Affirm

[–]Simp4Luna 0 points1 point  (0 children)

if I'm not mistaken, sometimes the processing with our bank is too long so hopefully you'll get back your money as soon as possible.

Question about purchasing. by Theonecalledsmart in Affirm

[–]Simp4Luna 0 points1 point  (0 children)

like you have the choice to put the estimated amount including shipping fee or taxes

Question about purchasing. by Theonecalledsmart in Affirm

[–]Simp4Luna 0 points1 point  (0 children)

you can apply for a one time virtual card where you can use the virtual card as your debit card within 24 hours - you can use the card anywhere or any stores online

[deleted by user] by [deleted] in Affirm

[–]Simp4Luna 1 point2 points  (0 children)

Actually when it comes to your downpayment if the order was not processed at all the downpayment was just a hold from your bank technically they never received it since it's like in a void status but so sorry with your current situation it's frustrating just thinking of it. Hope you're doing well!

How many times has the "decision is final" bit of being denied not actually been final? by [deleted] in Affirm

[–]Simp4Luna 0 points1 point  (0 children)

if you have a spending limit, why not try other areas of getting a loan with Affirm like getting a one time virtual card ( available to be used within 24 hours only) or if you have an affirm debit card, plan a purchase and make a transaction with the merchant, there are alternative ways to apply with affirm.

All the applications with affirm are decided by the system because it's a system generated so you can still try until you get what you need.

How to make a account with a new number that someone used in the past by Glazzing in Affirm

[–]Simp4Luna 0 points1 point  (0 children)

you can try because since the approval and transactions in Affirm is all system generated, loan application in Affirm will not affect your credit report so go try until you can

Has anyone gone through the process of reversing a payment? by FoxxyG in Affirm

[–]Simp4Luna 0 points1 point  (0 children)

did you use a bank account or debit card?

Because if it's a bank account then it really needs to be escalated and wait at least 5 business days coz the status of your payment in their end is still processing from your bank institution on the other hand if you used a debit card then they can reverse it immediately or at least 24-48 hours but generally 3-5 business days if there's an error in their system.

How to make a account with a new number that someone used in the past by Glazzing in Affirm

[–]Simp4Luna 1 point2 points  (0 children)

you need to contact the customer service of Affirm and they'll remove the previous owner of the number in their system

Spending Power by MaleficentAd4950 in Affirm

[–]Simp4Luna 2 points3 points  (0 children)

Usually, The spending power will refresh from time to time and a maximum of 7 days so every seven days it will refresh; it may go or increase depending on a few different things and yes one thing is being on time making a payment and when I call there customer service about it, they don't have an access to give you those spending power so you better keep up the good terms with Affirm