Customers are loyal but AFFIRM is NOT!!!! I paid off two purchases and one was paid early than the date that was given. My credit dropped a little but Affirm received what was owed PERIOD..they keep telling you with every "ON TIME" payment your amount will go up for future purchases as if your still going to have an account...NOPE with them being paid on time (one early) my account was gone. My problem is if customers ARE paying you off don't sell us bull****...my bank account has nothing to do with my credit score...Thank you!!! P.S. I don't want to call Customer Service no need to reply.