I used affirm for 2 previous purchases and it was great. Payments were always pontine and no issues; however, I went to use it again for a purchase and the original virtual card I got did not cover the tax on my purchase. I got an email to just go back and replace the card. When I tried, my approved amount was the difference between what I was previously approved for and the original approved amount. I tried too reach them and that is almost impossible. I was basically told tough luck