Why I'll never use Affirm again
I almost used Affirm the other day because deferring payments at 0% is attractive, but then I realized it would result in a hard credit inquiry, equivalent to opening a new line of credit. (Which it sort of is, but why defer $200 when you could open a real credit card and get introductory 0% for 18 months on potentially $10k or more instead? Even if you only spend $200 on your new credit card, presumably this is better for your credit score as you would be using a tiny fraction of the available credit on that account.)