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@j There is at least one person in this Godforsaken country who: Is using Affirm to finance an Amazon purchase

Wants to use their bank's "early payday" (fully integrated payday loan) feature

Because otherwise they will burn one of their eight "overdraft forgiveness" perks at their Hollyweird endorsed bank with no physical locations.

And it will dock their credit score which they just artificially "boosted" for the third time this year by providing the reporting agency more transparency into their purchases.

Honk honk.