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Affirm refund of Technology

If your loan is already finalized, you'.

Only nimble traders need apply....AFRM A sell side firm says that 30-day delinquencies for the buy now pay later firm Affirm Holdings (AFRM) do not look that good. Is this "old new...If your loan is already finalized, you'll get a full refund. How long it takes for the refund to show up depends on the store. When they process your items quickly, you'll get the refund in about 21 days. ... Payment options through Affirm Canada Holdings Ltd. ("Affirm"). Your rate will be 0-32% APR (where available and subject to ...Affirm. Up to 5 Business days; Third Party Gift Card. Up to 10 business days, can be longer if linked to an international bank. Walmart Cash. Refer to Walmart Cash FAQs Refund Credit. up to 3 hours; Debit or credit card. Debit and credit card refunds will be available in up to 10 business days.Affirm Card Banking Services are provided by Evolve Bank & Trust, Member FDIC, issuer of the Affirm Card Visa® pursuant to a license from Visa U.S.A. Inc. The Affirm Card is not available to residents of New Mexico or U.S. territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506.Go to affirm.ca or open the Affirm app, then click or tap Sign in. Enter the mobile number you used to create your account, then click Continue or tap Confirm. Enter the 4-digit code we texted to that mobile number. Note: Never share the code with anyone. No one legitimate will ever ask for it, including anyone from Affirm. If you can’t sign in.Affirm accepts debit cards and PAD as forms of repayment on payment options. Select payment options may be eligible for repayment in the form of credit cards. Please review the terms and conditions of your credit card when using it as a form of repayment. Sample payment options may be: a $800 purchase could be split into 12 monthly payments of …Just log in to your Back Market account > "Orders" > "Ask for help". Confirm you’re eligible for a refund via our returns policy. Once the return has been processed by Back Market, your refund will show up on Affirm within 3-10 business days. Note that if you paid using a virtual card, it could take up to 45 days for a refund to appear on ...Refund issues. Affirm has been great, until is wasn't. I made a $300 order and never got any emails to confirm. They never shipped me anything and now affirm is claiming that I have to pay the $300 since I don't have any proof to dispute the case? The customer service for this companysucks. I have sent several emails with no response.A full refund issued after a customer has submitted payments will result in Affirm only refunding the paid principal. Affirm does not refund interest that has already been paid. The customer still owes the interest that accrued during the time the loan was confirmed. Refunds may not happen immediately, so make sure you only process the refund once.Affirm has reviewed the complaint which states they have had an issue with a merchant not delivering the correct order and they need a refund. Affirm's records indicate that loan BLQC-FDPH was ...The Affirm Money Account is held with Cross River Bank (CRB), Member FDIC. Affirm is not an FDIC-insured bank. FDIC insurance covers accounts held with CRB in the event of a CRB failure. California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to ...A refund will post to your Affirm account once the seller processes your refund request. If you have already made loan payments or a down-payment, Affirm will issue you a refund credit to the bank account or debit card that you used to make the payments. You should see a refund credit within 3 to 10 business days, depending on your bank's ...Whether they are looking for the rundown on early morning news or checking out what their friends are having for breakfast, Americans reach for their smartphones in mass numbers as...I affirm that Affirm is NOT all it seems. Imagine my shock when I found I did not qualify for Affirm. Reason: payment history. Remember there is no late payment nor did I default. At most, I delayed payment because there was no penalty attached but no late fees is no late fees. Everything was paid back in full.Affirm provides the financing and can't issue refunds or cancellations without confirmation from the store. If you contacted the store but are unable to resolve the issue and you meet the eligibility requirements below, we will work with you and the store to try to resolve the issue.Borrowers of the popular “buy now, pay later” installment loans should find it easier to dispute charges and get refunds under a new rule announced by the federal …Processing orders (authorize, void, refund, and partial refund) in Shopify updates the order status in the Merchant Portal. While you can process orders in the portal, we strongly recommend using Shopify to keep your order statuses synced with Affirm. For more information on processing orders in Shopify, refer to their documentation.My best advice is to file a complaint with your Attorney Generals Office and include all the information you have and they will take care of it from there. They do a better job in my opinion of holding complaints to a higher standard. I got an unauthorized loan from a company called Affirm on Nov 2nd. Some one used my name to made a purchase ...Before I could purchase, Affirm had me update my income. I wasn't 100% sure what it was so I made what I thought was my best guess, made the purchase, and decided to double check today with my accountant to make sure. Turns out I was way off in my estimate (about $30k). I know it's bad I didn't know my income even close but that's not ...However, I have the email confirmation from Affirm. Amazon refused to issue refund so I could get back on the payment plan with Affirm. Affirm basically said pound sand. My bank won't reverse the charge due to me receiving the product, to which I already spent the time to install said product and currently using it. Amazon shows the product in ...Affirm has reviewed the complaint which states they have had an issue with a merchant not delivering the correct order and they need a refund. Affirm's records indicate that loan BLQC-FDPH was ...If you have questions regarding any tax implications of earned interest, consult with a tax professional. To access your 1099-INT tax form: In the Affirm app: Open the Affirm app and sign in to your account. Tap the Money tab. Scroll down to the Details section, then tap Tax documents. Tap the document you want to view.Refunds (request or status check) If you bought your ticket or related travel products and services through American Airlines, you can request a refund or check your refund status. Request a refund. Check the status of a refund. If you bought your ticket from a travel agent or on another website, contact them for refund help.Sign in to your Merchant Portal. On the left sidebar, click Settlements. (you can also access it from here) The Settlements tab will display all the payouts that you've received from Affirm. For each date on the settlement page, you can view total sales, refunds, total fees, and total amount settled. Click here to learn more about the different ...The company reports earnings after Tuesday's close....AFRM Shareholders of buy now pay later Affirm Holdings (AFRM) are waiting for the latest quarterly earnings report due out...Without a Live chat option, you can only get customer care by emailing [email protected] or calling 855-423-3729. To their credit, calls to this number are toll-free, the help page is exhaustive, and they claim to have a team on standby all days of the week. But, their response time needs optimizing. Our rating: 3/5.Two major buy now, pay later players — Affirm and Klarna — say they welcomed the regulation. “We are encouraged that the CFPB is promoting consistent …About refunds. Contact the store directly where you made your purchase to confirm the refund. Affirm can't issue refunds or cancellations without confirmation from the store. They can let you know if a refund is possible and how much the refund will be, according to their own return policy. Refunds can be issued in different ways; depending on ...Affirm refund . I won't go into every little detail but I purchased a product back in February from a vendor, they were unable to fulfill my order so I contacted them to cancel my order and issue a refund. The merchant had no issue whatsoever doing so however the problem now comes to affirm. I have been in contact with the merchant now for ...View All Events. SAN FRANCISCO -- (BUSINESS WIRE)--May 8, 2024-- Affirm Holdings, Inc. (NASDAQ: AFRM), the payment network that empowers consumers and helps merchants drive growth, today reported financial results for its fiscal 2024 third quarter ended March 31, 2024 . SAN FRANCISCO - December 13, 2023 - Affirm, the payment network that ...When a mistaken refund is issued to a customer, it's crucial to reach out to them promptly and collaborate to recover the incorrectly refunded amount. Customers have the option to apply for another Affirm loan; however, it's important to note that approval for a subsequent loan is not guaranteed.Disputes & refunds; Managing your account. Close my account Sign in to my account Set up a Passkey Update my contact information ... issuer of the Affirm Card Visa® pursuant to a license from Visa U.S.A. Inc. The Affirm Card is not available to residents of New Mexico or U.S. territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services ...Learn how to contact the store, check your refund status, and make payments while waiting for your refund. Affirm can't issue refunds without confirmation from the store and will update your balance within 3–10 business days.APR and fees. Interest rates for Affirm loans can range from 0% to 30%, which is greater than the highest APR on most credit cards. 43% of loans taken out at Affirm have a 0% APR, according to the ...The payment schedule section will update to show the payment status as refunded or partially refunded. Refunds can take five to seven business days to appear in the guest's account. Guest's original payment account is closed. If a guest no longer has the original form of payment, you should still attempt to refund through your dashboard.A refund will post to your Affirm account once we process your returns. In the event that you return only part of your order, the amount of the merchandise that you …If your loan isn't finalized yet, we'll remove it from your Affirm account. It'll be like the loan never happened. If your loan is already finalized, you'll get a full refund. How long it takes for the refund to show up depends on the store. When they process your items quickly, you'll get the refund in about 21 days.Affirm Card Banking Services are provided by Evolve Bank & Trust, Member FDIC, issuer of the Affirm Card Visa® pursuant to a license from Visa U.S.A. Inc. The Affirm Card is not available to residents of New Mexico or U.S. territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506.Affirm. Up to 5 Business days; Third Party Gift Card. Up to 10 business days, can be longer if linked to an international bank. Walmart Cash. Refer to Walmart Cash FAQs Refund Credit. up to 3 hours; Debit or credit card. Debit and credit card refunds will be available in up to 10 business days.View All Events. SAN FRANCISCO -- (BUSINESS WIRE)--May 8, 2024-- Affirm Holdings, Inc. (NASDAQ: AFRM), the payment network that empowers consumers and helps merchants drive growth, today reported financial results for its fiscal 2024 third quarter ended March 31, 2024 . SAN FRANCISCO - December 13, 2023 - Affirm, the payment network that ...Affirm provides the financing and can't issue refunds or cancellations without confirmation from the store. If you contacted the store but are unable to resolve the issue and you meet the eligibility requirements below, we will work with you and the store to try to resolve the issue. A loan qualifies for a dispute if: 1. The loan is confirmed (not in a merchant …No longer approved. I’ve been using Affirm for probably 4 years now, never missed a payment, and most I’ve paid off early. Two weeks ago my spending power was just under 4K and always has been. Went to check after the 7 day period they use to check your spending power and now nothing I’m denied every time. Nothing has changed I’m still ...Fill your cart, then choose Shop Pay at checkout. Choose to pay in installments and tap Continue. Select the installments option that best suits you. Choose a debit or credit card to use for payment, then tap Continue. Follow the steps to verify your identity—this usually takes just a few moments. If you agree to the terms, click Agree, then ...The refund would go to Affirm. It will take Affirm time to process this unnecessary transaction. Meanwhile, you'll be liable for paying Affirm until it's processed. Once it's processed, Affirm will refund any payments you made toward the purchase. Strongly advise searching this sub and seeing how long it takes this refund process to play out.What is Affirm? A. Affirm offers instant financing options — so you can cruise now and pay later in fixed, monthly installments without late fees or annual fees. It can be used to make new bookings when you purchase through the Royal Caribbean® website within the continental U.S. However, it cannot be used for additional products related to ...For a partial refund, Affirm will first credit your customer’s final recurring Affirm bill. If the refund amount is larger than the final recurring bill, Affirm will apply the remainder of the refund to the preceding recurring bill, and so on. All other payment terms will remain unchanged from the customer’s original plan.Please contact us below to request a refund for any online payment you didn't mean to make. Payment reversal requests must be made no more than 3 calendar days after you submit the payment. We'll reverse the full amount of the payment after it finishes processing. You should see the funds reflected in your bank account in 3-10 business days ...To find your virtual Affirm Card number: Open the Affirm app. Select the Card tab. Tap the image of the card at the top to view your card information. You don't need to wait for your physical card to arrive to begin using your Affirm Card. Add your virtual Affirm Card to Apple Wallet or Google Pay to shop anywhere they are accepted. To add ...Select Affirm as your payment method at checkout. Enter a few pieces of information for an instant decision. This check doesn't affect your credit score. 3. Pick a payment plan. Choose from multiple plans with no hidden fees, late fees, or surprises. 4. Pay over time. Easily make payments in the Affirm app or at affirm.com.After Stripe initiates a refund, Affirm pauses the customer’s payment plan and refunds the customer for any payments they’ve already made, minus any interest paid. Stripe doesn’t credit back the processing fees in the event of a refund. Disputes and fraud. Customers must authenticate Affirm payments by logging into their Affirm account.A transaction associated with your Affirm Card might be declined for several reasons, such as: Your pay in full transaction exceeded your spend limit. Your spend limit is based on your purchase and repayment history with Affirm. It’s the maximum amount you can spend without requesting a payment plan before checkout.Affirm was approved but card didn't go through with samsung. Called samsung and they had no record of an order so called affirm to cancel it. ... requires a credit card for ongoing subscription fees and charges or credits to your account related to trade-ins and refunds. After doing that my affirm loan went through and so did my Samsung order ... To see the status of your refund: Sign in to your Affirm aIf your loan isn't finalized yet, we'll Expedia partners with Affirm to provide a buy now, pay lat

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Please contact us below to request a refund for any online payment you didn't mean to make. Payment reversal requests must be made no more than 3 calendar days after you submit the payment. We'll reverse the full amount of the payment after it finishes processing. You should see the funds reflected in your bank account in 3-10 business days ...Affirm Card Banking Services are provided by Evolve Bank & Trust, Member FDIC, issuer of the Affirm Card Visa® pursuant to a license from Visa U.S.A. Inc. The Affirm Card is not available to residents of New Mexico or U.S. territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506.Affirm can't issue refunds or cancellations without confirmation from the store. They can let you know if a return is possible and how much the refund will be, according to their own return policy. Once we receive confirmation from the store, the refund amount will show up in your loan timeline within 3–10 business days, and your balance will ...Returned ring day after received. Contacted Affirm & was told I had to pay regardless of return. Company issued refund (except $485) within 4 days of return. I tried to get remaining refund. In the mean time, Affirm reported to credit bureau I was 30, 60 & 90 days late pay. Affirm received over $4,500 from refund prior to first payment.APR and fees. Interest rates for Affirm loans can range from 0% to 30%, which is greater than the highest APR on most credit cards. 43% of loans taken out at Affirm have a 0% APR, according to the ...Affirm. Up to 5 Business days; Third Party Gift Card. Up to 10 business days, can be longer if linked to an international bank. Walmart Cash . Refer to Walmart Cash FAQs Refund Credit. up to 3 hours; Debit or credit card. Debit and credit card refunds will be available in up to 10 business days. If your purchase was made using a debit or credit card, we’ll …About Affirm Get to know the basics. Account & payments Manage your account and payments. Disputes & refunds Fix order issues and returns. Security & privacy Protect your account and information. Learn how Affirm works. How Affirm works. About prequalifying. Create an account. Apply for a loan.California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681. Affirm Card Banking Services are provided by Evolve Bank & Trust, Member FDIC, issuer of the Affirm Card Visa® pursuant to a license from Visa …Step 4: Card management. Once you receive the card details from the checkout response, you can submit authorizations, captures, and refunds to the virtual card using your existing payment rails. You can also retrieve card details via your server using our Read Card API endpoint and the associated checkout_id.Answer. Your purchasing power is Affirm's estimate of how much you can spend with Affirm. You’re not on the hook to pay back this amount until you confirm your loan at checkout. You also don’t have to spend the full amount. Purchasing power vs. credit limit vs. transaction limit. Purchasing power is an estimate of what a lender may qualify ...Affirm pays you, the merchant Merchant is paid in full (less fees and refunds) after capture on a 24hr rolling basis. Customer pays affirm Customer makes monthly or biweekly payments to Affirm for the duration of the loan. Affirm covers the risk Affirm assumes repayment/fraud risk and can easily issue full or partial refunds. Back To TopLearn how to request a refund from the store where you bought your item and how it affects your Affirm payments. Find out what to do if your refund is less than or more than your balance.Returns for items purchased with Affirm are always subject to the merchant's return policy. To start a return, visit returns.embrlabs.com within 60 days of your order's ship date. After we issue your refund, Affirm will credit your loan balance for the amount of the refund within 3-45 business days. You can see your loan balance in your ...Affirm accepts debit cards and PAD as forms of repayment on payment options. Select payment options may be eligible for repayment in the form of credit cards. Please review the terms and conditions of your credit card when using it as a form of repayment. Sample payment options may be: a $800 purchase could be split into 12 monthly payments of ...No longer approved. I’ve been using Affirm for probably 4 years now, never missed a payment, and most I’ve paid off early. Two weeks ago my spending power was just under 4K and always has been. Went to check after the 7 day period they use to check your spending power and now nothing I’m denied every time. Nothing has changed I’m still ...Disputes & refunds; Making a payment. Payment methods Managing AutoPay Locating your balance Make a payment Paying towards multiple loans ... issuer of the Affirm Card Visa® pursuant to a license from Visa U.S.A. Inc. The Affirm Card is not available to residents of New Mexico or U.S. territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan ...To sign up for Affirm, you need to: Be 18 years or older (19 years or older in AL or if you're a ward of the state in NE). Provide a valid US or APO/FPO/DPO home address. Provide a valid US mobile or VoIP number and agree to receive SMS text messages. The phone account must be registered in your name. Provide your full name, email address, date ...If your loan isn't finalized yet, we'll remove it from your Affirm account. It'll be like the loan never happened. If your loan is already finalized, you'll get a full refund. How long it takes for the refund to show up depends on the store. When they process your items quickly, you'll get the refund in about 21 days.Affirm is generally a safe BNPL option for both customers and merchants. However, buyers should be aware that, in general, BNPL options don't offer the same protections as credit cards, such as zero-liability fraud protection. And some consumers complain that it can be hard to get a refund via Affirm if an item is returned after purchase.To view your Affirm Card refunds: Open the Affirm app. Tap the Card tab. Scroll to the Recent transactions section at the bottom of the page. Tap See all. Tap the Refunds filter at the top to view any refunds associated with your Affirm Card purchases. Note: Affirm Card management is only available in the Affirm app.Affirm offers convenient buy now, pay later financing to shoppers. ... But the result may be different if the merchant issues either a partial refund or a store credit in …Apparently, they'll receive refunds but get their wiresCalifornia residents: Affirm Loan Services, LLC

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Update unused amount on Affirm virtual card. If you don't use the full amount on your virtual card and need to update your loan to reflect the accurate balance used, you can do this directly through the Affirm app: Access your loan. Select Refund Unused Funds or Cancel Loan. Confirm the action.Process. You can watch the video or follow the steps below to fully refund a charge. Affirm Merchant Portal: www.affirm.com/dashboard/signin. If you have already captured a charge, you can reverse the capture by …Additional users can be added to the Affirm dashboard by the current administrator (s) via the dashboard settings section for any email address that needs to be whitelisted. Click Add Member. Enter the work email address for the user and choose the user's permission level. Click Add User.Sign in to the Shop app. In the Home section, tap the purchase that you want to make a payment on. Click View installments. Tap Make a payment. In the Amount to pay section, select your preferred option. Note: Custom amounts must be more than $1 and less than or equal to the remaining balance.50% of total price. 60 to 31 days. 75% of total price. 30 days or less. 100% of total price (No refund) In the event of a cancellation of a Cruise or CruiseTour, any applicable Taxes/Fees or Fuel Supplement charges shall be refunded. For bookings made outside of the United States and Canada, a different cancellation policy may apply.Please contact us below to request a refund for any online payment you didn’t mean to make. Payment reversal requests must be made no more than 3 calendar days after you submit the payment. We’ll reverse the full amount of the payment after it finishes processing. You should see the funds reflected in your bank account in 3-10 business …If you need further help with processing refunds, reach out to our Merchant Care team using the Business Resource Hub support widget or by using the help widget in the Affirm Merchant Portal. Please make sure to include the following information: Refund amount. Loan ID. Order ID.To see the status of your refund: Sign in to your Affirm account. Navigate to Loans. Select the loan. Your refund will show up as an adjustment on the loan schedule. Don’t see it? Your refund will show up on your loan balance within 3–5 business days. Still waiting? We can check on that refund for you. Just fill out the form below.As long as the Affirm loan shows as "pending - merchant processing," you have nothing to worry about. Try contacting Amazon to have them cancel the loan so you can try your order again. They may redirect you to Affirm's Customer Service team. 1.Affirm Holdings News: This is the News-site for the company Affirm Holdings on Markets Insider Indices Commodities Currencies StocksContact the store directly where you bought the item to process a return or cancel the order. The store will follow their policy on returns, cancellations, missing orders, and damaged or defective items. Affirm can’t cancel or refund your order until we receive confirmation from the store. If you canceled an order or returned an item.Using your Affirm Card. My Affirm Card purchase was declined. Using my Affirm Card. Request a payment plan before checkout. Request a payment plan after checkout. Pay in full purchases. Fuel purchases using Affirm Card. Edit or cancel a payment plan before checkout. Affirm Card debit limits.PayBright is now Affirm. For more information on the transition and how to shop with Affirm ... will be cancelled. If the item(s) required payment in full at checkout, a refund for the item amount along with any applicable taxes and fees will be applied to your original method of payment. Please note that this can take up to 10 business days to ...Enlist important features for the affirm financing. Following are some important features to know if you intend to opt for affirm financing. APR ranges from 0% to 30% (varies on your default risk and financial credibility). The amount of the loan varies from $0 to $17,500. There is no minimum recommended credit score for affirm financing.Yes, you can purchase a firearm with Affirm. However, the specific policies and regulations surrounding firearms purchases may vary by state and by individual retailers. Contents [ show] 1. Can I use Affirm to buy a handgun? Yes, you can use Affirm to buy a handgun, but you should always check with the specific retailer and be aware of any ...Select Affirm at checkout and choose to split the payments over 3, 6, or 12 months. 1. PAYMENT PLAN EXAMPLE. A $1,359 USD Ikon Pass purchase might cost $123 USD/mo over 12 months at 15% APR. More Mountains, More Days. IKON PASS. AS LOW AS $91 USD / MO. FOR 12 MONTHS 1. IKON BASE PASS. AS LOW AS $91 USD / MO. FOR 12 MONTHS 1.Affirm Card Banking Services are provided by Evolve Bank & Trust, Member FDIC, issuer of the Affirm Card Visa® pursuant to a license from Visa U.S.A. Inc. The Affirm Card is not available to residents of New Mexico or U.S. territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506.Nearly 70% of buy now, pay later users admit to spending more than they would if they had to pay for everything upfront, according to a survey from LendingTree. As a result, 23% of consumers said ...Unfortunately, we can't guarantee you'll get approved, even if you receive a purchasing power amount. That's because your purchasing power amount is an estimate. It may change - or go away - depending on a few different things. This includes your borrowing and payment history at Affirm and elsewhere. Example: Let's say you receive a ...Please note that your loan payments with Affirm will continue as agreed to subject to its terms and conditions. My event was canceled, and I paid for my tickets with Affirm. How do I get a refund? Your refund will be processed back to your Affirm account within three to ten business days, depending on your bank’s processing time.Yallknowandyy. I just wanna make sure that if I do in store trade in that the trade in value gets taken off immediately and isn't like a refund. 1.3K subscribers in the Affirm community. Affirm gives you a buy-now-pay-later option with no hidden, late fees, or surprises.When loans are captured, you can refund them through your Order Management System (OMS) or through Affirm's Merchant Dashboard. However, there will be occasions when you aren't able to refund a loan that's in authorization status. In short, you have to cancel these loans. If you need further help, contact our Merchant Care team by using ...A refund will post to your Affirm account once we process your returns. In the event that you return only part of your order, the amount of the merchandise that you …Affirm is an alternate payment option that provides simple, straightforward financing, broken down into fixed monthly installments that are easy to understand and even easier to pay off. ... When RevZilla processes your refund, Affirm will credit any payments you have made on your loan, up to the amount of this refund and less any interest you ...Affirm app>Manage>click loan>Detail (top right)>refund (bottom under the virtual card). I thought it would correct itself since the money was refund but no i have to physically click on the refund to give back the money. So I used Affirm Loan to pay through with Kayak for Dollar Car Rentals. Instead of the Affirm Loan being charged.About refunds. Contact the store directly where you made your purchase to confirm the refund. Affirm can't issue refunds or cancellations without confirmation from the store. They can let you know if a refund is possible and how much the refund will be, according to their own return policy. Refunds can be issued in different ways; depending on ...Once we process your return, a refund will post to your Affirm account. If you return a partial order, the amount of the partial return will be refunded to your Affirm account. You will be responsible for the remaining balance of your Affirm loan. If you have already made loan payments or a down payment, Affirm will issue a refund credit back ... After closing your Affirm Card, any refu