I've used Affirm for the past few years and I have a great track record with them, until yesterday. I have almost $I400 pre-qualified credit with them and tried to make a purchase from a merchant that states both on their website and on the Affirm's website, that they have 0 APR, if you used Affirm for the financing of their products. But when I go to apply for Affirm, it's charging me almost $500 in APR. When did they start ripping people off 🤔? I'm disgusted 😒