[bena]

I used Affirm for a Casper mattress back in the day. Much the same scenario, it said "make X payments in Y months" and I was like "Ok".

I think that's Affirm's wheelhouse, providing smaller merchants of largish ticket items an easy way to do financing. So OP may not have had an option outside of Affirm to do the financing.

I'm not sure how much Affirm would care about the issue as they're pretty much a 3rd party to the entire situation. But, yeah, I think the order of operations here would be: call merchant, call Affirm, then call credit card.

[benatkin]

Plenty of people think Casper is pure junk. I understand taking a gamble, though...

https://www.reddit.com/r/Mattress/comments/ejx6za/my_casper_...

I guess it would have been smart for OP to think of that purchase as an attempt to get that item from that merchant, and just to eat the $ rather than spend a lot of time and get their credit dinged. It isn't totally different from getting a physical mattress that may or may not work, especially since they eventually did ship the item. Actually, if the mattress caused back pain and I had to go through the trouble of disposing it, that would be worse than getting nothing.

[bena]

What?

We don't know if he bought a mattress or not. I did. Years ago. And the fact that people online don't like Casper is neither here nor there. It's fine. It's a mattress. It's better than a spring mattress.

I merely brought it up because I used Affirm to purchase it because that was the option given to me by Casper for their "pay in X in Y months" option.