I am a long time Affirm user, only ever been late on my payments by a few days, max a week (Though that one was because autopay wasn’t on.) but from November 20th to the beginning of this week I was out of work sick, which caused me not to get paid, and in turn two payments that I had due Nov 20th and 21st are late and I wouldn’t be able to pay them off until next Thursday.

I contacted customer support and they basically couldn’t help me and said that my overdue accounts may or may not be reported. I did ask if they passed the 30 day mark and the rep said they do. Even though I’m pretty sure it only hits day 26.

To add a little more info. The two that would be really late are each just for $26 so $52 total, and they are both the last payment needed. Never been this late. So any insight or help would be awesome.

Will/should I be fine if I wait until then?