Affirm can - Dec 22, 2022 · On the other hand, Affirm offers much shorter repayment terms than traditional loans, which typically offer up to 60 months to repay a loan. Affirm customers may also end up having to pay interest as high as 36.00%, higher than with some other lenders. With credit unions, for example, interest rates are capped at 18%.

 
Dec 22, 2022 · On the other hand, Affirm offers much shorter repayment terms than traditional loans, which typically offer up to 60 months to repay a loan. Affirm customers may also end up having to pay interest as high as 36.00%, higher than with some other lenders. With credit unions, for example, interest rates are capped at 18%. . Why did draco

Buy now, pay later for your business—but smarter. Affirm gives your customers a smarter way to pay over time, with no fees or surprises. With Affirm, you can offer flexible payment plans to expand your customer base and increase average order value. And we’ll be here to help along the way.Affirm strives to keep you out of unhealthy debt by facilitating fair, transparent credit so you can pay over time for the things you love. We offer affordable monthly payments at a pace you choose—usually 3, 6, or 12 months—so you're in control. From day one, you know how long you'll pay, and you know how much you'll pay because we never ... If you are an existing loan holder, your financing plan will remain unaffected, and you will continue to pay for your product as agreed upon in your financing agreement with Affirm, unless otherwise stated. If you have any questions, you can also contact our Customer Care Team at 1800-957-290 or by filling out this form.On the Affirm app: Select the Profile icon with your initials at the top right of the screen. Select Mailing Address. Enter your new mailing address. Tap Continue. Click Save Suggested Address if applicable. Click the Account icon. Click Settings. Click the Mailing Address field. Added Fees: Merchants offering Affirm to customers are charged a merchant discount rate plus transaction fees. Your rates will depend on a few factors, including your program options, your business size, and your business risk profile. A typical fee is 5.99% + $0.30 per transaction, though that amount can vary.Since Affirm offers loans up to $17,500, it’s the ideal choice for financing a bigger-ticket item as opposed to using your credit card. However, there are some issues with using Affirm. The company can charge a high interest rate, and if you’re getting an 18% APR on your card, you can expect the rate at Affirm to be similar or higher.Go to affirm.com or open the Affirm app, then click or tap Sign in. Enter the mobile number you used to create your account, then click Continue or tap Confirm. Enter the 4-digit code we texted to that mobile number. Note: Never share the code with anyone. No one legitimate will ever ask for it, including no one from Affirm. Aug 31, 2022 · Since Affirm offers loans up to $17,500, it’s the ideal choice for financing a bigger-ticket item as opposed to using your credit card. However, there are some issues with using Affirm. The company can charge a high interest rate, and if you’re getting an 18% APR on your card, you can expect the rate at Affirm to be similar or higher. So, how does it work? The Affirm Card works with your bank account to give you the most options at checkout. If you’re planning ahead, request a payment plan in the app before you check out. Shopping on the go? Link your bank account to pay with your card almost anywhere. And use the app to request plans for eligible purchases after you swipe.Buy now, pay later wedding rings, dresses, and more with Affirm. Enjoy no hidden fees, no late fees, no compound interest, and as low as 0% APR.If you’re going to be late on a payment, sign in to your Affirm account today and schedule a payment as soon as possible. We don’t charge late fees, but partial payments or late payments can hurt your credit score, affecting your chances of getting another loan with us. You could also schedule your payments and we’ll continue sending ... Oct 18, 2021 · You can see all the adjustments made to Affirm’s income statement here. Balance Sheet: I made $1.3 billion of adjustments to calculate invested capital with a net decrease of $1.1 billion. One ... Fraudsters can fairly easily acquire one or more of the above data points, however, so Affirm backs up its credit report-based authentication by asking certain customers to provide physical ...Sign in to my account Sign in These instructions are for signing in using your mobile number. (If you have a passcode, fingerprint, or facial recognition set up, simply open the Affirm app and sign in with it). Go to affirm.com or open the Affirm app, then click or tap Sign in.With Affirm, you can pay over time at your favorite brands. No late fees or compounding interest—just a more responsible way to say yes to the things you love.Payment options through Affirm Canada Holdings Ltd. (“Affirm”). Your rate will be 0–31.99% APR (where available and subject to provincial regulatory limitations). APR offered is based on creditworthiness and subject to an eligibility check.Affirm offers many additional options that merchants can offer their customers. It has interest bearing products with variable repayment periods up to as much as 3 years. It has 0% products with ...Affirm offers many additional options that merchants can offer their customers. It has interest bearing products with variable repayment periods up to as much as 3 years. It has 0% products with ...Affirm Card Banking Services are provided by Evolve Bank & Trust, Member FDIC, issuer of the Affirm Card Visa® pursuant to a license from Visa U.S.A. Inc. The Affirm Card is not available to residents of New Mexico or U.S. territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506.Neiman Marcus. As low as 0% APR. Take $250 Off when you Spend $1,000+ at NeimanMarcus.com! Use code NMSEPT. Beauty/Fragrance & Jewelry excluded. Offer valid 8/29-9/4. Affirm can damage your credit through two mechanisms: 1. Late and missed payments. Making a late payment on almost any credit account will cause a derogatory mark to appear on your credit report, leading to a drop in your credit score. The later your payment (or the more payments you miss), the more your score will suffer.Affirm strives to keep you out of unhealthy debt by facilitating fair, transparent credit so you can pay over time for the things you love. We offer affordable monthly payments at a pace you choose—usually 3, 6, or 12 months—so you're in control. From day one, you know how long you'll pay, and you know how much you'll pay because we never ...Affirm strives to keep you out of unhealthy debt by facilitating fair, transparent credit so you can pay over time for the things you love. We offer affordable monthly payments at a pace you choose—usually 3, 6, or 12 months—so you're in control. From day one, you know how long you'll pay, and you know how much you'll pay because we never ... Select the purchase you want. Click Make one-time payment. Select how much you want to pay and when. Add or select a payment method. Click Continue. Review the payment amount, method, and date. Click Submit payment. To make payments in the app: Download the free Affirm app from the App Store (iOS) or the Google Play Store (Android). When you update your phone number, we have to verify that it’s registered in your name. Sometimes, this process requires us to verify who you are with photos of your valid ID. In this case, we email you a link to a form that you need to complete and return within 7 days (after that time, your request will be denied). They must be live and not ...How do I sign up for Affirm? You can sign up when you buy with Affirm, through the mobile app or on affirm.ca. Sign up on affirm.ca: Click Create account at affirm.ca. Type your full legal name. Type your mobile number and your email address. ... Get Started With Affirm.Synonym Discussion of Affirm. validate, confirm; to state positively; to assert (something, such as a judgment or decree) as valid or confirmed… See the full definition Jun 6, 2023 · Affirm's app is available for both Apple and Android as well. There are more than 207,000 merchants that offer financing through Affirm. You can complete purchases online or at a physical store ... Affirm Card Banking Services are provided by Evolve Bank & Trust, Member FDIC, issuer of the Affirm Card Visa® pursuant to a license from Visa U.S.A. Inc. The Affirm Card is not available to residents of New Mexico or U.S. territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506.Buy now, pay later laptops, gaming pc’s, iPhones and more with Affirm. Enjoy no hidden fees, no late fees, no compound interest, and as low as 0% APR. An Affirm savings account is a simple way to save for the future. Applying for an account takes just a few clicks. (It’s truly that easy.) There are no minimum deposit requirements, and we won’t charge you any fees. Your savings account is yours and yours alone and we don’t offer joint savings accounts. Earn interest while you do it ...With Affirm, you can pay over time at your favorite brands. No late fees or compounding interest—just a more responsible way to say yes to the things you love.For purchases that are not approved for and matched to a payment plan, you authorize Affirm to initiate an ACH debit from your linked bank account within 1-3 days of the purchase. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. Affirm, Inc., NMLS ID 1883087. Based on your issue, we’ll recommend an option to get in touch with us to best help you with your case!Payment options through Affirm Canada Holdings Ltd. (“Affirm”). Your rate will be 0–30% APR (where available and subject to provincial regulatory limitations). APR offered is based on creditworthiness and subject to an eligibility check. Not all customers will be eligible for 0% APR. Affirm will soon release a credit card, and you can join the waitlist to be notified when it becomes available. The Affirm credit card will offer pay-in-four financing for purchases over $100 at ...Affirm is one of the leading companies offering buy now, pay later (BNPL), or point-of-sale installment loans, to consumers. Affirm’s mission is to help consumers afford the things they want to...How do I sign up for Affirm? You can sign up when you buy with Affirm, through the mobile app or on affirm.ca. Sign up on affirm.ca: Click Create account at affirm.ca. Type your full legal name. Type your mobile number and your email address. ... Get Started With Affirm. Buy now, pay later wedding rings, dresses, and more with Affirm. Enjoy no hidden fees, no late fees, no compound interest, and as low as 0% APR.We would like to show you a description here but the site won’t allow us. Sep 16, 2021 · There are a series of factors that we check to prevent unauthorized users from creating accounts or taking out loans in your name. When information does not match what is on public record, we are unable to approve an application. If you believe there is incorrect information in your application, just fill out this form and we’ll get back to you. Dec 30, 2022 · Shopping with Affirm from stores and retailers. Affirm’s selection of retailers includes top brands such as Amazon, Walmart, Target, Apple, and many more. This means that you can use Affirm to finance purchases at a wide variety of online and offline stores and retailers. Check out our list of the most popular ones: Amazon – shop online and ... 1. Shop at Walmart. When you’re ready to check out at Walmart, just select Affirm as your payment method. Enter a few pieces of information and get a real-time decision.About Us. So long, fees. Hello, Affirm. Whether you’re buying a new mattress, shopping for an outfit that wows, or planning the trip of a lifetime, you want to feel good about the things you buy. And with Affirm, you can.If you’re going to be late on a payment, sign in to your Affirm account today and schedule a payment as soon as possible. We don’t charge late fees, but partial payments or late payments can hurt your credit score, affecting your chances of getting another loan with us. You could also schedule your payments and we’ll continue sending ... A payment amount for one loan or account only. Make the check payable to: Affirm, Inc. Mail the check to: Affirm Inc - Customer. PO Box 201209. Dallas, TX 75320-1209. If you have more than one loan, remember to write the loan ID on the check. If you forget to include the loan ID, your payment will go toward the oldest loan that’s due.Added Fees: Merchants offering Affirm to customers are charged a merchant discount rate plus transaction fees. Your rates will depend on a few factors, including your program options, your business size, and your business risk profile. A typical fee is 5.99% + $0.30 per transaction, though that amount can vary.Affirm Card Banking Services are provided by Evolve Bank & Trust, Member FDIC, issuer of the Affirm Card Visa® pursuant to a license from Visa U.S.A. Inc. The Affirm Card is not available to residents of New Mexico or U.S. territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506.Dec 22, 2022 · On the other hand, Affirm offers much shorter repayment terms than traditional loans, which typically offer up to 60 months to repay a loan. Affirm customers may also end up having to pay interest as high as 36.00%, higher than with some other lenders. With credit unions, for example, interest rates are capped at 18%. Affirm strives to keep you out of unhealthy debt by facilitating fair, transparent credit so you can pay over time for the things you love. We offer affordable monthly payments at a pace you choose—usually 3, 6, or 12 months—so you're in control. From day one, you know how long you'll pay, and you know how much you'll pay because we never ...Affirm Card Banking Services are provided by Evolve Bank & Trust, Member FDIC, issuer of the Affirm Card Visa® pursuant to a license from Visa U.S.A. Inc. The Affirm Card is not available to residents of New Mexico or U.S. territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506.For purchases that are not approved for and matched to a payment plan, you authorize Affirm to initiate an ACH debit from your linked bank account within 1-3 days of the purchase. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. Affirm, Inc., NMLS ID 1883087. You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Refer to your loan agreement for more details. Will using Affirm affect my credit score? Checking if you prequalify or applying for a loan through Affirm does not affect your credit. There are certain loans that do not include credit reporting.Affirm is one of the leading companies offering buy now, pay later (BNPL), or point-of-sale installment loans, to consumers. Affirm’s mission is to help consumers afford the things they want to...Shop devices with Affirm. Low monthly payments. No gimmicks or hidden fees. Pick a phone, watch or both to fit your budget. Get APR financing through our deal with Affirm (you may need to make a down payment). Pay off the loan and it’s yours! For example, buy a $504 phone and own it free and clear after 36 payments of $14/mo (plus taxes and ...For purchases that are not approved for and matched to a payment plan, you authorize Affirm to initiate an ACH debit from your linked bank account within 1-3 days of the purchase. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. Affirm, Inc., NMLS ID 1883087. To start, interest rates can be high. Like, really high. To give you some perspective, the average credit card interest rate is at 15.91% right now, while Affirm’s rates can get up to 30%! 1,2 That’s almost twice as much! And don’t forget, the longer you take to pay off that loan, the more the interest you pay.Affirm never charges late fees, but if you’ve stopped making payments for more than 120 days, we may charge off your loan. Once a loan has been charged off, it may be sent to a third-party collections agency at any time. Charge-offs may appear on your credit report and must still be repaid. Affirm is one BNPL provider that does report information to Experian on some loans. It doesn't report loans with a 0% APR and four biweekly payments or loans where people were given the option of ...Select the purchase you want. Click Make one-time payment. Select how much you want to pay and when. Add or select a payment method. Click Continue. Review the payment amount, method, and date. Click Submit payment. To make payments in the app: Download the free Affirm app from the App Store (iOS) or the Google Play Store (Android).You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Refer to your loan agreement for more details. Will using Affirm affect my credit score? Checking if you prequalify or applying for a loan through Affirm does not affect your credit. There are certain loans that do not include credit reporting. Aug 6, 2023 · Why you’ll love using the Affirm extension: • Buy now and pay over time at almost any store. • Get exclusive offers as low as 0% APR. Say yes to more of the things you love while staying true to your financially responsible self. Don’t miss out on the things you love. Shop now and pay later, it’s really that simple—add Affirm to ... Apr 9, 2021 · Before using companies like Affirm to finance your next purchase, make sure you budget for the item and can afford your payments. How we picked these companies. To identify the best companies like Affirm, we researched 10 buy-now, pay-later apps. Each company was evaluated based on its ease of use, available repayment options, APR and fees. Sep 1, 2023 · Affirm's mailing address is 650 CALIFORNIA STREET, SAN FRANCISCO CA, 94108. The official website for the company is www.affirm.com. The company can be reached via phone at 415-984-0490 or via email at [email protected]. This page (NASDAQ:AFRM) was last updated on 9/2/2023 by MarketBeat.com Staff. With Affirm, you can now buy now, pay later for events, shows, experiences, and more. Enjoy no hidden fees, no late fees, no compound interest, and as low as 0% APR.Pay Now Purchases. You can use your Affirm Card to make purchases just about anywhere. Check your Affirm app to see what you can spend on your Affirm Card. Your Affirm Card account will have an available to spend amount shown in the Affirm app Card tab, which is based on several factors such as your purchase and repayment history, refund ...My identity could not be verified. There are a series of factors that we check to prevent unauthorized users from creating accounts or taking out loans in your name. When information does not match what is on public record, we are unable to approve an application. If you believe there is incorrect information in your application, click the ...Buy now, pay later hair, health, and beauty products with Affirm. Enjoy no hidden fees, no late fees, no compound interest, and as low as 0% APR. Affirm Card Banking Services are provided by Evolve Bank & Trust, Member FDIC, issuer of the Affirm Card Visa® pursuant to a license from Visa U.S.A. Inc. The Affirm Card is not available to residents of New Mexico or U.S. territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. Oct 18, 2021 · You can see all the adjustments made to Affirm’s income statement here. Balance Sheet: I made $1.3 billion of adjustments to calculate invested capital with a net decrease of $1.1 billion. One ... When you update your phone number, we have to verify that it’s registered in your name. Sometimes, this process requires us to verify who you are with photos of your valid ID. In this case, we email you a link to a form that you need to complete and return within 7 days (after that time, your request will be denied). They must be live and not ...A. The latest price target for Affirm Holdings ( NASDAQ: AFRM) was reported by JP Morgan on Tuesday, August 22, 2023. The analyst firm set a price target for 18.00 expecting AFRM to rise to within ... Knoji Assistant. 0. Mar 28, 2023. No, AT&T does not accept Affirm financing at this time. However, the company does offer other financing options for customers, including Zip financing and Apple Pay Later financing. Shoppers looking for other stores that accept Affirm financing can browse through the over 1,626 other e-commerce stores that also ...Buy now, pay later for your business—but smarter. Affirm gives your customers a smarter way to pay over time, with no fees or surprises. With Affirm, you can offer flexible payment plans to expand your customer base and increase average order value. And we’ll be here to help along the way. By messaging Affirm Prequalification up the funnel, customers change their browsing behavior. They may have come to your site for an item based on a specific budget but now see that they can afford more spreading out their purchase over multiple months, and can buy more.Offering Affirm at checkout can help merchants increase sales, average order values, and conversion, while reaching new customers. Booking.com joins Affirm’s network of more than 254,000 ...At checkout, select Affirm as your payment method. Follow the prompt to enter your mobile number. Select Continue. Type your full legal name and your email address. Type your date of birth and the last 4 digits of your Social Security number. Select Create account. See your purchase decision. Sign up on affirm.com. Click Create account at ...Neiman Marcus. As low as 0% APR. Take $250 Off when you Spend $1,000+ at NeimanMarcus.com! Use code NMSEPT. Beauty/Fragrance & Jewelry excluded. Offer valid 8/29-9/4.If you’re going to be late on a payment, sign in to your Affirm account today and schedule a payment as soon as possible. We don’t charge late fees, but partial payments or late payments can hurt your credit score, affecting your chances of getting another loan with us. You could also schedule your payments and we’ll continue sending ...Select the purchase you want. Click Make one-time payment. Select how much you want to pay and when. Add or select a payment method. Click Continue. Review the payment amount, method, and date. Click Submit payment. To make payments in the app: Download the free Affirm app from the App Store (iOS) or the Google Play Store (Android). Affirm offers many additional options that merchants can offer their customers. It has interest bearing products with variable repayment periods up to as much as 3 years. It has 0% products with ...Neiman Marcus. As low as 0% APR. Take $250 Off when you Spend $1,000+ at NeimanMarcus.com! Use code NMSEPT. Beauty/Fragrance & Jewelry excluded. Offer valid 8/29-9/4. Synonym Discussion of Affirm. validate, confirm; to state positively; to assert (something, such as a judgment or decree) as valid or confirmed… See the full definition Affirm is a buy-now-pay-later company that was launched in 2012 by Paypal co-founder Max Levchin. These days, it seems to be just about everywhere, offering you the option right during the checkout process to split your purchase up into several payments over time. Business is booming, too. Revenue was up by 55% in Q2 2021 compared to Q2 2020.Afterpay charges customers a $15 application fee and a weekly late fee of $2 if they don’t make their payment by the due date, while Affirm doesn’t charge an application fee and doesn’t have a late fee. Afterpay offers customers a credit line of up to $500 per person, and it is $15 per week for every $100 borrowed.

An Affirm savings account is a simple way to save for the future. Applying for an account takes just a few clicks. (It’s truly that easy.) There are no minimum deposit requirements, and we won’t charge you any fees. Your savings account is yours and yours alone and we don’t offer joint savings accounts. Earn interest while you do it ... . Cooke campbell obituaries

affirm can

Order limits can vary: Afterpay, for example, says its loans can be used on orders of $35 to $1,000, while Klarna determines a limit based on an applicant's credit profile, as does Affirm. VIDEO 0 ...You can use Affirm and pay for your travel over time with a series of payments that work with your budget. Affirm can be used to pay for flights and seats, but is not available for other extras like bags. Learn more about Affirm Opens another site in a new window that may not meet accessibility guidelinesSep 7, 2023 · Offering Affirm at checkout can help merchants increase sales, average order values, and conversion, while reaching new customers. Booking.com joins Affirm’s network of more than 254,000 ... You can request a virtual card in your Affirm account. There are three places to access your virtual card: in the Affirm app, in your account on the Affirm website, or via the confirmation email we send you after you request the card. When paying with your virtual card online, it works like a standard credit card.Go to affirm.com or open the Affirm app, then click or tap Sign in. Enter the mobile number you used to create your account, then click Continue or tap Confirm. Enter the 4-digit code we texted to that mobile number. Note: Never share the code with anyone. No one legitimate will ever ask for it, including no one from Affirm. Almost! Millions of stores accept our virtual card as payment, so you can buy many different things. But there are some exceptions. Weapons, including firearms, ammunition, certain firearm parts or accessories, and certain knives or other weapons regulated under applicable law. Other goods or services Affirm or its Bank Partners deem unacceptable.Synonym Discussion of Affirm. validate, confirm; to state positively; to assert (something, such as a judgment or decree) as valid or confirmed… See the full definition With Affirm, you can pay over time at your favorite brands. No late fees or compounding interest—just a more responsible way to say yes to the things you love.Buy now, pay later flights, vacations and more with Affirm. Enjoy no hidden fees, no late fees, no compound interest, and as low as 0% APR.To make payments on affirm.ca: Sign in to your Affirm account. Navigate to Loans. Click Pay. Select how much you want to pay and when. Add or select a payment method. Click Continue. Review the payment amount, method, and date. Click Submit payment. To make payments in the app: Download the free Affirm app from the App Store (iOS) Sign in to ...Mar 28, 2022 · Updated. If Affirm has difficulty confirming your identity, you may need to provide more information. Affirm uses modern technology to confirm your identity, including verifying your address or full SSN, or requesting a photo of your ID. Affirm takes these steps in some cases to counter fraud and provide the most accurate credit decision they can. What is Affirm? How does buy now pay later work? Buy now, pay later without the fees Affirm is a smarter way to pay over time. Shop pretty much anywhere and pay at your own pace without any fees, so you can get the things you love without breaking your budget. The choice is yours Affirm Pay in 4 Make 4 interest-free payments every 2 weeks. By messaging Affirm Prequalification up the funnel, customers change their browsing behavior. They may have come to your site for an item based on a specific budget but now see that they can afford more spreading out their purchase over multiple months, and can buy more.Shop devices with Affirm. Low monthly payments. No gimmicks or hidden fees. Pick a phone, watch or both to fit your budget. Get APR financing through our deal with Affirm (you may need to make a down payment). Pay off the loan and it’s yours! For example, buy a $504 phone and own it free and clear after 36 payments of $14/mo (plus taxes and ... Affirm's mailing address is 650 CALIFORNIA STREET, SAN FRANCISCO CA, 94108. The official website for the company is www.affirm.com. The company can be reached via phone at 415-984-0490 or via email at [email protected]. This page (NASDAQ:AFRM) was last updated on 9/2/2023 by MarketBeat.com Staff.Order limits can vary: Afterpay, for example, says its loans can be used on orders of $35 to $1,000, while Klarna determines a limit based on an applicant's credit profile, as does Affirm. VIDEO 0 ...Dec 22, 2022 · On the other hand, Affirm offers much shorter repayment terms than traditional loans, which typically offer up to 60 months to repay a loan. Affirm customers may also end up having to pay interest as high as 36.00%, higher than with some other lenders. With credit unions, for example, interest rates are capped at 18%. We would like to show you a description here but the site won’t allow us.At checkout, select Affirm as your payment method. Follow the prompt to enter your mobile number. Select Continue. Type your full legal name and your email address. Type your date of birth and the last 4 digits of your Social Security number. Select Create account. See your purchase decision. Sign up on affirm.com. Click Create account at ...An Affirm savings account is a simple way to save for the future. Applying for an account takes just a few clicks. (It’s truly that easy.) There are no minimum deposit requirements, and we won’t charge you any fees. Your savings account is yours and yours alone and we don’t offer joint savings accounts. Earn interest while you do it ...You can request a virtual card in your Affirm account. There are three places to access your virtual card: in the Affirm app, in your account on the Affirm website, or via the confirmation email we send you after you request the card. When paying with your virtual card online, it works like a standard credit card..

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