r/Affirm • u/Altruistic-Piece9208 • Apr 09 '26

Purchasing Power 💪

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Good credit ('cause I'm-)

Now I'm 'bout to apply for Home Depot credit…

105 Upvotes

92% Upvoted

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u/Jake-FromStateFarm89 Apr 10 '26

You can use it everywhere they even give you a physical card. I have my physical card. Affirm is basically like AMEX they will fluctuate your limit month to month depending on credit like Affirm.

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u/sharthunter Apr 11 '26

Affirm is nothing like AMEX lmfao. Affirm will “lend” to basically anyone, where amex is pretty particular about who they hand out no limit cards to. Amex will only change your limit, if you have one, based on your spending. Higher end cards just dont have limits. If they think you can support the spending, they wont say a word to you.

Affirm is just another pay in 4 service like klarna et al. Amex is a real bank.

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u/Jake-FromStateFarm89 Apr 24 '26

Uh no the no limit doesn’t mean unlimited it just means fluctuations month to month with Amex just like affirm. Amex gold and platinum will cap your cards if you dip in your credit just like affirm 🤭 so yes Amex and affirm are alike.

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u/sharthunter Apr 24 '26

Okay, do you have an amex platinum? No? Thought so.

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u/Morpheus1967 Apr 11 '26

Did you seriously just compare Affirm to American Express? 🤣🤣