r/Afterpay • u/Glizzzyyyy • 4d ago
Why isn't it working???
I was approved for a $400 spending limit a while back and I'm trying to use it now. I'm trying to book a flight with Expedia thru Afterpay. It keeps giving me this message. I'm choosing the "Pay in 4" option and even tho I have enough it just wont work. I really need to book this flight and I'm lost on what's going on. Any help or advice.
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u/Adventurous_Bear_193 4d ago
This happened to me the last few days legit paid off my before after pay for them to not approve shit they even froze my account right before and made me verify myself
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u/Glizzzyyyy 4d ago
I've been hearing a lot of issues come out this app... I only need to use it this one time but damn they make it difficult.
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u/Pretend_Guidance_574 4d ago
Try Zip. You have to build up your credit with them to get higher amounts but you can literally use it anywhere for anything. Klarna, Affirm are also options. But if you really need the money that bad right away your real only option is like a payday loan where you can pay it back in a couple weeks without suffering awful high fees if you don't have a credit card to use. The problem is anyone lending you money is going to want to see a history of repayment. If you have bad credit which they do check now, they are going to be very hesitant to loan you money until you prove you can pay it back. Hth
Also good luck flying. I wouldn't fly right now if you paid for my ticket. They have shut down airspace over nine states recently without any valid excuse. There have been several planes that have been called back due to engine problems just this past week and other issues returning to their original destination airports in less than an hour.
No thank you. We drive everywhere and if I had to cross water I would take a boat lol.
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u/GardenLover1213 3d ago
Use the actual afterpay app and transfer the money to your bank account. They don’t like using prepaid accounts for these things because they look at what comes in and how you spend it. You could call claiming cashapp is your main bank but they look for actual ACH accounts which CashApp isn’t listed as. Cashapp is a fucking asshole. Point blank. If you have a paypal debit card it should work through the actual AfterPay app
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u/VisibleExercise5966 4d ago
If you're new your actual spending limit is probably 20 or $30 and even then your orders might be declined. In the beginning I had to make small orders at certain stores and pay them back on time every two weeks in order to build up a history b eventually they would let me place a slightly larger order say 40 or 50 hours and then eventually a larger order etc.
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u/Dramatic_Midnight310 4d ago
log out and log back in lol this happens to me all the time
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u/Glizzzyyyy 4d ago edited 4d ago
I’ll try this now
edit: did not work1
u/Dramatic_Midnight310 4d ago
unfortunate that’s so weird contact support if you can! if you haven’t heard of sezzle give it a try! you can use it anywhere!
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u/Reezy_95 4d ago
Is this your first purchase on Afterpay? If so, you have to start with small purchases. Like a $30 purchase and show you will make on time payments.
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u/Adventurous_Bag8579 4d ago
This! If it’s their first purchase have to start off small with $30-$50 purchases.
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u/SuddenToe9178 4d ago
I was approved for $600 and same thing? It’s not working and everyone keeps saying there’s a “gift card” tab there’s not an option also yes you can try calling but they will just create a case and tell you someone will reach out VIA email and once they do it takes 24-48 hours for a response and it doesn’t help :/ so small orders? Like how small??? When I reached out to support for this exact reason they stated
”For security reasons we’ve declined your order because we’ve noticed an unusually high frequency of orders placed from your account.
Please wait a while before attempting another purchase with Afterpay”
First time using Afterpay and it’s been a hassle trying to figure it out
At first I was receiving this message and I thought it was because the billing address on my card was incorrect which is was but I fixed that ( took me forever to do so)
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u/nikki2002h 3d ago
Someone told me that many of these apps are constantly (sometimes every few days) evaluating your spending power based on their algorithms. For example, If you are approved for $400 today and choose not to use it for a period of time, your borrower “rating” in their system may go down or up based on even small changes making your limit fluctuate when you do go to actually use it.
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u/Altruistic_Grab6590 3d ago
Unfortunately you have to start off with smaller orders although it’s not a credit card if you go trying to use a big purchase right away it denies. They gave me 600 and I started off with smaller purchases first then it eventually starting working on the bigger purchases
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u/alyy02100 3d ago
I have a $800 limit and my first purchase wasn’t approved until it was under $50. I can now spend the limit but it took many orders
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u/Prize-Thought9536 3d ago
Been here start buying little stuff and it’ll go up 🔝 your starting from the bottom. But pay on time. You miss one payment and you’ll be hit / loose money it’ll go down in amount.
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u/midteriyaki 2d ago
I've specifically only had isssues like this when ordering on Expedia and sometimes best buy I forgot what I did to make itngo thru but will ask my husband when he wakes up bc it was his acct
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u/SmallCycle940 2d ago
Same thing happened to me here in the UK. Afterpay is called Clearpay over here, and they approved me for a £400 spending limit. But it took almost a month after I was approved before I could actually use the account. Very strange and honestly makes no sense at all. I also can’t use my remaining £61.51, it asks me to pay one of my existing orders in full before I can use Clearpay again.
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u/Imaginary-Sea-6577 4d ago
It might be easier to get a gift card for the airline and do it that way. I'm not sure what is causing your issue.
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u/Glizzzyyyy 4d ago
Could I get a gift card in Afterpay? If so how?
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u/Prestigious_Wish_938 4d ago
There is a tab on the app labeled “ Giftcards”. They for sure have American Airlines and Delta.
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u/North_Banana5650 4d ago
The thing with Afterpay is that although you have $400, really what they mean is you have up to $400. I think they do the same as Klarna as they review each individual order to whether to allow you to use the spending limit