[aembleton]

My credit card won't even let me initiate a chargeback until I've contacted the retailer.

[harles]

OP contacted the retailer according to the story. Affirm is not a retailer.

[jonny_eh]

They are the party receiving the chargeback though. It's just usually the retailer that you pay directly.

[aiisjustanif]

Cards that are higher up in benefits and fees in the US will.